# LAKE REGION BANK
NEW LONDON, MN · FDIC certificate 10965 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $153.0M | |
| Deposits | $139.1M | |
| Loans and leases | $75.5M | |
| Total equity | $12.9M | |
| Loans / deposits | 53.77% (p23 of band) | 73.59% |
| Liquid assets / assets | 48.22% (p76 of band) | |
| Uninsured deposits / deposits | 16.61% (p38 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.43% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -24.88% (p18 of band) | -6.57% |
| AOCI / equity | 0.69% (p95 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 65.23% (p48 of band) | |
| Noncurrent loans | 0.09% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 1120.59% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 43.09% (p75 of band) | |
| Auto loans | $2.2M (2.93% of loans; DQ 2.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | leverage <7% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 3 | uninsured deposits leaving |  |
| 2017-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2017-06 | 2 |  | noncurrent p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity, capital falling |
| 2023-06 | 5 | charge-offs p90 |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking, charge-offs p90 |
| 2024-06 | 2 | deposits shrinking |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 2 | capital falling, securities losses >30% of equity |  |
| 2026-06 | 0 |  | capital falling, securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-19 [Lake Region Bank welcomes Yvette Krzyzaniak - West Central Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdkQ2alk1cjBWWENfV3hlb0o2U0dwQ2tsbG1VbmJOTzJqX3c1V0pTUV9ZcmRNT0M3Z2lqMlJMQW1lal9sdEl4ZlNvcUViaGNhdUpodk9YNmVfYldhX25lUEdXSG1ZZDU4bzRDZ29tQ3k3ZjZNVmd3eXhVLVEtSUFFcg?oc=5) · West Central Tribune
- 2023-03-17 [Lisa Groff accepts role of retail manager/vice president for Lake Region Bank - West Central Tribune](https://news.google.com/rss/articles/CBMirgFBVV95cUxQNTdKWVpUM095Tzc4MkFrWmpPR1lyZlVmbHp1LTJDQ0VpODRYSUdCUmJSUkFzRnM1dHFvRTduTWluLXMwRFRnQkhYcXBtajBOb0lpdElxMlNueVFfdUxDTUxYcjNuR05BLWsxWk1YVkF6R3R3QXlQYjFwajItSmFQcFQ5MkJYS0JUc05wU1p6SlZsT1pvOHNGTjJjeHRSSDBZMXRMMzBvakNYUTBhMFE?oc=5) · West Central Tribune
- 2023-01-26 [Obituary for Edward Merlyn Hatlestad - Harvey Anderson & Johnson Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBnSUpqeS1DZEpBc29xcVkxa000Q2pEYkR5akNlaUlYODNfbzh6ZHlxbGc1bEpwRTBXWGdVdTRnbjVqNExCUUt4Y1NzV2JKS2F4RjkxcUU5YmFidw?oc=5) · Harvey Anderson &amp; Johnson Funeral Home
- 2016-03-24 [Masked gunman robs bank in Minnesota community, population 100 - Pioneer Press](https://news.google.com/rss/articles/CBMiogFBVV95cUxNa0ZZTF9fQk0wOEd1T2hrRThGMUV6Rms0VjRaSVdXZlRaYkx5NG1zUjZVT1JXcnI5bWdQZlpqSk5nTTh6M29iUkl1QzBWMjJEb2UzbTc5NFZ2NTJJWWNyc1JiY2c3Yk52NkZzelpmZ2VlNWo5ZVdWa0t0OWpscDNLMEp0ZUc2UjE2TVpQLVI1eGN6bTFOX0piYkxuclkyTzVXRGc?oc=5) · Pioneer Press
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2025-05-30 [Mike Fagerlie joins Lake Region Bank in Willmar as commercial lender - West Central Tribune](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeFR6WTNpZTYzV2NaczF4cm8tLWNBcnV4UFprYUM4ODhzVUhJVVVVZHBLaGpwdE11c3dobDhIVFdPWHdybXdsU2hOMkE4OWg4SVFEXzBIOGJTZ1BqZ2lnUFdCbjQ1MXgxeERVd09fcjZmN25IZEQwT3pIbUhmbXhyQ3FjcGU4XzRjdkhLY1J4anVBTC1jdHU3ZGdWZGkyQnNDakE?oc=5) · West Central Tribune
- 2021-06-19 [Amanda Erickson promoted by Lake Region Bank in Willmar - West Central Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxQYWRvU0hKVDBxVGJXSWxGSllBV1Z4X0p6dGZjdDhGQzlOV2xrTGJzRkUwVTBCZUVTTzVFY3BiM2VEQm1SME9rMzlSMFR3eUwxMkFHUXdPd0pJYjJrNEZLLXBsdzVoUzZ5cmpWSGZDRmRJa0VnV3htLVpTNUt5VFFRdXh2V0t4ZEVrV1ZoOGVrdHQ?oc=5) · West Central Tribune
- 2021-03-20 [Evangeline Sutherland hired by Lake Region Bank in Willmar - West Central Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxNWHFuWTVCb3otTXZfb2NycjdXbkdTUmhnNkNHOVJWQjZxdzNKVHVMLXR0VFRhU2xLNUNrcVZZdC15SmxYbGNLUF83WlFYTlhBSXhJSWNzR1YwTTRMTy1rWDVNLUhPaVRuMFdaWmk5LTRWb2puOW5kMFl5MENrbFFaTWEyZGhoMU91LTVNU0tvanlWaDdU?oc=5) · West Central Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10965 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "10965", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide