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Minnesota Lakes Bank

IDRSSD: 157650
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2023-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #157650 2023-Q4 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.72% of loans.

What changed this quarter

Compared to Q3 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +11
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.0%, cash 14.7% of assets.

Cash / Assets
14.70%
Loans / Deposits
59.97%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +11
100
Sub-score

Securities profile is strong: securities 18.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.94%
No watch items at this period.

Capitalization

StrongQoQ +7
91
Sub-score

Capital position is strong: Tier 1 RBC 13.86%, CET1 13.86%, leverage 8.59%.

Tier 1 RBC
13.86%
CET1
13.86%
Leverage
8.59%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.3%, NCO YTD -0.01%.

Adjusted NPL
0.37%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
-0.01%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
73
Sub-score

Reserves are stable: ALLL 0.72% of loans, coverage 195.4%, true coverage 180.3%.

ALLL / Loans
0.72%
Coverage
195.4%
True Loss Coverage
180.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.72% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:46:38 UTC