Lake Elmo Bank
Lake Elmo, MN
IDRSSD: 1015850
Total Assets
$531.36M
Latest filing
Total Deposits
$466.27M
Latest filing
Net Interest Margin
4.25%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091910196LAKE ELMO, MN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Lake Elmo Bank
11465 39th St N
Lake Elmo, MN 55042
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/01/1911FDIC Certificate 9755
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Lake Elmo Bank (Main) | 11465 39th St N | Lake Elmo, MN |
| ECHO RIDGE BRANCH-SENIOR HOUSING | 1033 Gershwin Ave N | Oakdale, MN |
| OAK MEADOWS BRANCH-SENIOR HOUSING | 8132 And 8133 Fourth Street North | Oakdale, MN |
| INWOOD AVENUE NORTH BRANCH | 600 Inwood Ave N | Oakdale, MN |
| BOUTWELLS LANDING SENIOR CENTER BRANCH | 5600 Norwich Pkwy | Oak Park Heights, MN |
| STILLWATER BRANCH | 1937 Greeley St S | Stillwater, MN |
| ST TERESE OF WOODBURY-SENIOR HOUSING | 7555 Bailey Rd | Woodbury, MN |
| THE FIELDS AT ARBOR GLEN SENIOR LIVING BRANCH | 11070 39th St N | Lake Elmo, MN |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/01/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55042 |
| State and County Number | 27163 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/19/1936 |
| Primary Insurance Agency | DIF |
| Website | www.lakeelmobank.com |
| Data Updated | 01/30/2026 |
| CERT | 15443 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $531.36M |
| Total Deposits | $466.27M |
| Total Liabilities | $474.14M |
| Total Equity Capital | $57.22M |
| Net Income | $2.44M |
| Net Loans and Leases | $404.56M |
| Assets Per Employee ($Millions) | $7.08M |
| Bank Premises and Fixed Assets | $8.67M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $466.27M |
Key Performance Ratios
| Return on Assets (ROA) | 1.86% |
| Return on Equity (ROE) | 16.95% |
| Net Interest Margin | 4.25% |
| Efficiency Ratio | 55.08% |
| Tier 1 Risk-Based Capital Ratio | 16.056% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.769% |
| Earning Assets to total Assets | 96.09% |
Income and Expense
| Total Interest Income | $6.82M |
| Total Noninterest Income | $891.00k |
| Total Interest Expense | $1.47M |
| Total Noninterest Expense | $3.44M |
| Net Interest Income | $5.36M |
| Pre-tax Net Operating Income | $2.70M |
| Provision for Credit Losses | $102.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $865.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.20M |
| All Other Liabilities | $3.67M |
| Total Liabilities and Capital | $531.36M |
Securities
| Securities | $43.11M |
| Available-for-sale debt securities | $43.11M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lake Elmo Bank?
$531.36M as of the latest filing.
How much are Lake Elmo Bank's total deposits?
$466.27M in total deposits.
Where is Lake Elmo Bank located?
Lake Elmo, MN.
What is the Net Interest Margin?
4.25%.
How many domestic offices does it operate?
9.
When was it established?
08/01/1911.
What is the Return on Assets (ROA)?
1.86%.
How much are total loans and leases?
$404.56M (latest filing).
What is the total interest income (latest filing)?
$6.82M.