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BankSonar

Lake Central Bank

Annandale, MN · State, non-member commercial bank

67

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$282.5M
Total deposits
$250.1M
Branches
3
Return on assets
2.39%
Return on equity
22.80%
Charter type
State, non-member commercial bank
Established
1893
FDIC cert #
10989

How the 67 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Lake Central Bank

Lake Central Bank is an FDIC-insured institution (Cert #10989). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

3 branch locations

700 State Highway 24 North

Clearwater, MN 55320

40 Chestnut St W

Annandale, MN 55302

2010 Minnesota Ave

Benson, MN 56215

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