# LAKEVIEW BANK
LAKEVILLE, MN · FDIC certificate 57785 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $218.3M | |
| Deposits | $195.8M | |
| Loans and leases | $150.7M | |
| Total equity | $17.2M | |
| Loans / deposits | 76.09% (p55 of band) | 73.59% |
| Liquid assets / assets | 28.67% (p40 of band) | |
| Uninsured deposits / deposits | 44.85% (p95 of band) | 19.81% |
| Brokered deposits | 11.38% | |
| Wholesale funding | 13.44% (p89 of band) | |
| FHLB advances / assets | 2.06% | |
| Tier 1 leverage | 8.91% (p9 of band) | 11.76% |
| Unrealized securities loss / equity | -8.86% (p43 of band) | -6.57% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.12% (p48 of band) | 1.17% |
| Net interest margin | 4.29% (p68 of band) | 3.93% |
| Efficiency ratio | 58.89% (p33 of band) | |
| Noncurrent loans | 1.00% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.35% (p96 of band) | |
| Reserve coverage of noncurrent | 116.13% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 30.30% (p64 of band) | |
| Auto loans | $33,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.4% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 4 | losing money |  |
| 2011-12 | 3 |  | noncurrent p90 |
| 2012-03 | 2 | deposits shrinking | charge-offs p90, losing money |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 0 |  | reserve under noncurrent, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | capital falling, reserve under noncurrent |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | liquid assets <10% | capital falling |
| 2016-03 | 1 |  | liquid assets <10% |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-09 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 | reserve under noncurrent | capital falling, loans exceed deposits |
| 2018-12 | 1 | loans exceed deposits | reserve under noncurrent |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | loans exceed deposits | capital falling |
| 2020-03 | 0 |  | loans exceed deposits |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 0 |  | capital falling, charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 3 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-12 | 1 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | brokered >10%, charge-offs p90 |  |

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

- 2022-12-15 [Leaving his own legacy: Tom Mork to retire as Lakeview Bank’s CEO | Lakeville - hometownsource.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxPUGE3S2xmc1g0dFV6VmhmM29fYVBJS1FqbUNnYklpUW5WV1RDZGVLdkZFMUVlVzB1Ni1Rc0xsQUxidFpjcTV3MTBMekJ5SldWZkhjZnV0RFpmcnA0NzJ5X1JKT1NfSjYxdUd6RTZSX2VsY01WRHZFcFhybmlTTXIwYTJOZndJYW5nblY1cEJfUHVfUnR5RnNiak9GeUJBZFh1cTl4Nk05QWd4bU1WZXltY1dTNFNDWjR3QnMzY3JXakh2dTlnWkg5Y1VqbjBTLUF3RzZFd1ljZEc2b3NSdzNIYmdhaXI5QVRsUDI2Tm50SndIbjBoUUp6WjJSdFZuVXAyQjl6VDcwbXFKUQ?oc=5) · hometownsource.com
- 2025-07-16 [2 men investigated for alleged ATM tampering in Michigan, Minnesota - CBS News](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV21xWkg0NFphUFIzZEdPZEUxNDdOR0wzS2FZaGRmTXk2TTkzUWVUQXY1Nk1ZanR2bHAxQWlZOE40SFV1ZFhfcHRYYndZRTMxMDFmX05RSVU4YTN4Q3hVaUE5VnI3WWZUbWd5eE43cUoyR1NSTWxUb0pDZzV3cV9WNERsaTc2QmxzdWM1bHYtazRvLW5RSnNRNDJ6S1RNMnMwSnfSAacBQVVfeXFMT1lIU1V2QUF4MF9ycWxjdzRsby1jMUZfQnBtRzNDa2RiZjhsTlEyRklkZy1CWTkxQmJwc29vdk8xcWpmNWtaUWJ2cTRuRXZuWV9ITHRBUkFDLVlJVFU4TkpKOV92X0M0MGx1SWVySGlVeEFvZW40SDB6T3o5SXI5WHB6V3U1ZzFaRDJfS3BIYVJuWjBzWk5zSmJlemJ6SHQ2dHB4WWMxVW8?oc=5) · CBS News
- 2024-10-19 [Two Florida men charged after allegedly 'jackpotting' Lakeville ATM and stealing thousands - kare11.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNZGVFQld0Q3B0aXA1Y0VwWWVHVTlGYzd3azd2eVpLM3RLbnVRNE1BYzBBT1RzblJ4QXdmRjI4M1lSNFhDYmpMLUJSR2t1VnBscUlSOFFKY2ZmTmsxSDhhbnVWMnIwWkRWU2FYTkw4UzFOcE5uRjBWTHFodXk5N2IyaHN0eDhQTEd2RTF6c2pPNUVWelptcTNkbzV3RnA2OTlzMGtGUm54UG1acVltSEJTQ2JQY2dWYkdod1haX1AySmVaY20wbl9jZXFZUjg3NlQ3VFRicWFpX0l2MVZmcFg3dl9UazMzal9yYW1jQndTdw?oc=5) · kare11.com
- 2026-07-25 [Lakeview Bank of the Valley stays alive in Area tournament - Columbus Telegram](https://news.google.com/rss/articles/CBMirgFBVV95cUxNZFhHNFpnZV9pWGZTQkR5WXFkMklhRjlYZEUtU3hGd2d2LXJLUzRJel81X0VFQzEyQWJjdnRmMVJDbklHbW5GT0NBMDNQTHRYeUJFaWRlTXlneXpkNkZKdS1WNDNSdFNMUEg1WkNWS0o1Mld1eGc2MzNFVEM4Z2NFMFExdzVNaFBGWlFINFprLS1NSktVWTBsRm51cThhQmJSLUJnMnBna25Lb0ZRcnc?oc=5) · Columbus Telegram
- 2024-05-31 [Lakeview Bank honored for 20 years of service in Lakeville - hometownsource.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPRXlOWGpjQkE5MGdrSl9CbjJZQ09sYWVTQzE1cmhHZVdJd0VDbTVjLTd3QVRmVGwyM2dWT1Z5NXFsS1pMbVFiMmt0RjIwWEducFRzNFNzRmF5RGw1YjgyaklwLXBJSmYxSEx2dU9jbUhsSkJkSUo5UFVSaVpZM1NvNGlsajRJaUNSWTJEa1RFb2tGRHdXUkJ2ZXhyZFZFLUExLWZYV01FWDBvSlVkbEVYYVRWMWI1T2dtYVdyaGxpazU4MVBCUElVNGxjWmhTVFBDVzlvU3A0YkI3dFBxd2Q2OVluMGsxQUxlZzZrMThB?oc=5) · hometownsource.com
- 2024-10-17 [It’s called ATM ‘jackpotting’ and it got two thieves $14K from a Lakeville bank, charges say - Pioneer Press](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZEppeExpLTM1RkJPVTJDZ1hld2lQMHVtUGRFSk96SVBMWGx2V1pBc092ZERRRGtJaFpMUl80QkNMOE1uTmNGRHk0S19lOFIwdlpJUUVKbzB0MEVrR0x3VVpFYXVlQzNtQ2NrMzJJV3plUHcwRHpaZGtWaW1yNUExMzhPejFkU00?oc=5) · Pioneer Press
- 2016-02-18 [Robber sentenced in Lacy Lakeview bank heist - Waco Tribune-Herald](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZVozREkxNUdRU0pxcWtQUGtGcXdDSmZUTHVpYVhONXROSEdWc2hIWGo5NHVZZXBQNkFQMm5qVzYtTmlRNDgxTW04MTZpTFpfX0x1cDdXQXZ1THZXWm5wOUwxZlNHQXVmdmJTWngySENCZVlvcF9URDF4aV9BMThPeVFvaFZ3YVBI?oc=5) · Waco Tribune-Herald
- 2015-10-22 [Man Questioned In Lakeview Bank Robbery - CBS News](https://news.google.com/rss/articles/CBMigwFBVV95cUxPUjVSRXdpdU1XczBUa281Z2tWMnhhc3MyajVGQlZNd0twcF9hRG1pWE1hb2p3bGtuS0hwdUw2WmI5LUEzcXkyMGpGMWRBTXA5M2tqaXNWREpza3lSWXYxVGQ2WHpLZE1LU2hHNFpBSDQ5dXhCMU9aRkZ4WG1kSVY1blFzNA?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57785 (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/57.json (key "57785", 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