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Minnesota Lakes Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ -4

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

Quarterly Headline

2025-Q1

Bank #157650 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.4% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.6% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.12% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -12
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.5%, cash 6.1% of assets.

Cash / Assets
6.11%
Loans / Deposits
78.48%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.83%
No watch items at this period.

Capitalization

StrongQoQ +5
99
Sub-score

Capital position is strong: Tier 1 RBC 14.96%, CET1 14.96%, leverage 10.68%.

Tier 1 RBC
14.96%
CET1
14.96%
Leverage
10.68%
No watch items at this period.

Asset Quality

StableQoQ -7
70
Sub-score

Asset quality is stable: Adjusted NPL 3.12%, Texas Ratio 18.6%, NCO YTD 0.00%.

Adjusted NPL
3.12%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
0.00%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.12% (govt-guarantees stripped).

Reserves

RiskQoQ -6
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 24.6%, true coverage 24.4%.

ALLL / Loans
0.76%
Coverage
24.6%
True Loss Coverage
24.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.4% (Adjusted NPL + Performing Mods denominator).

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