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 Lake Central Bank
Lake Central Bank
| RSSD ID 269058 | CERTIFICATE 10989 | ABA NUMBER 91904610 |
| 40 Chestnut St W |
Quarter Ended : |
2025-12-31 |
| Annandale, Minnesota, 55302 |
Updated : |
2026-01-22 |
| www.lakecentralbank.com |
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| Institution Profile |
| Year Opened : |
1893 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
36 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 287,083 |
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Total Interest Income | 13,954 |
| Total Liabilities | 256,394 |
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Total NonInterest Income | 2,110 |
| Total Bank Equity Capital | 30,689 |
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Total Interest Expense | 2,995 |
| Total Deposits | 246,301 |
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Total NonInterest Expense | 6,921 |
| Net Loans & Leases | 188,256 |
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Net Income | 5,359 |
| Loan Loss Allowance | 2,214 |
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Net Charge Offs | 60 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 34,594 |
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Total loans | 184,373 |
| Total assets for the leverage ratio | 287,123 |
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Loans secured by real estate: | 105,062 |
| Tier 1 Leverage Ratio | 11.27 |
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Commercial and industrial loans | 46,673 |
| Tier 1 Capital Ratio | 14.25 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.23 |
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Loans to individuals - Other | 15,196 |
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:· Lake Central Bank
