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Lake Country Community Bank
Morristown, MN · FDIC Certificate #17122 · Chartered 05/0
Total assets
$31.52M
Total deposits
$28.20M
Total equity
$3.14M
Net loans
$17.11M
Branches (offices)
2
Net income (YTD)
$35.00K
Rank: #4,140 of 4,213 U.S. banks by assets · #217 of 221 in Minnesota. Assets changed -4.4% and deposits -5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.22% |
| Return on equity | 2.23% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 9.96% |
| Tier 1 leverage ratio | 11.92% |
| Uninsured deposits (share of deposits) | 10.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 60.7% |
| Real estate loans (share of loans) | 72.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.41M | 72.5% | |
| Commercial & industrial | $4.46M | 26.0% | |
| Consumer / individual | $227.00K | 1.3% | |
| Construction & development | $39.00K | 0.2% | |
| Agricultural | $30.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $32.59M | $30.91M | -$33.00K | $1.66M |
| Jun 2023 | $31.02M | $28.54M | $109.00K | $2.46M |
| Jun 2024 | $28.44M | $25.60M | -$11.00K | $2.70M |
| Jun 2025 | $32.98M | $29.81M | $1.00K | $2.93M |
| Jun 2026 | $31.52M | $28.20M | $35.00K | $3.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $28.20M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $28.20M.
Similar-sized banks
First Progressive Bank ($31.61M) · Bank Of Cattaraugus ($30.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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