Call reports 2026
MINNESOTA LAKES BANK — 2026
What MINNESOTA LAKES BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 126,478,000 | 129,762,000 |
| Total loans | 79,062,000 | 75,371,000 |
| Allowance for loan losses | 792,000 | 898,000 |
| Securities available for sale | 24,989,000 | 27,445,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 110,389,000 | 113,481,000 |
| Interest-bearing deposits | 75,698,000 | 77,330,000 |
| Noninterest-bearing deposits | 34,691,000 | 36,151,000 |
| Equity capital | 15,140,000 | 15,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,738,000 | 3,468,000 |
| Interest expense | 113,000 | 233,000 |
| Net interest income | 1,625,000 | 3,235,000 |
| Noninterest income | 242,000 | 533,000 |
| Noninterest expense | 1,187,000 | 2,532,000 |
| Provision for loan losses | 236,000 | 273,000 |
| Pretax income | 455,000 | 981,000 |
| Income tax | 27,000 | 64,000 |
| Net income | 428,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 13,233,000 | 13,349,000 |
| Total capital | 14,043,000 | 14,258,000 |
| Risk-weighted assets | 85,816,000 | 79,246,000 |