Lake Country Community Bank is a state-chartered bank headquartered in Morristown, Minnesota, in business for about 98 years. At the end of Q2 2026 it reported $31.5M in total assets and $28.2M in deposits, with 2 offices.
Lake Country Community Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 76th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (29/100, 0.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 72 |
| Q2 2025 | 74 |
| Q3 2025 | 73 |
| Q4 2025 | 70 |
| Q1 2026 | 72 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.25% |
| Q3 2024 | 11.80% |
| Q4 2024 | 11.30% |
| Q1 2025 | 11.26% |
| Q2 2025 | 11.52% |
| Q3 2025 | 11.15% |
| Q4 2025 | 11.45% |
| Q1 2026 | 11.80% |
| Q2 2026 | 11.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.07% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.06% |
| Q4 2025 | -0.06% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $31.5M | 11.92% | 0.00% | 0.22% | 60.7% |
| Q1 2026 | 72 | $31.0M | 11.80% | 0.00% | 0.01% | 57.5% |
| Q4 2025 | 70 | $32.6M | 11.45% | 0.00% | -0.06% | 47.0% |
| Q3 2025 | 73 | $34.0M | 11.15% | 0.00% | 0.06% | 45.1% |
| Q2 2025 | 74 | $33.0M | 11.52% | 0.00% | 0.01% | 49.0% |
| Q1 2025 | 72 | $33.7M | 11.26% | 0.14% | 0.05% | 46.0% |
| Q4 2024 | 74 | $34.3M | 11.30% | 0.00% | 0.13% | 35.3% |
| Q3 2024 | 75 | $32.0M | 11.80% | 0.00% | 0.07% | 36.9% |
| Q2 2024 | 78 | $28.4M | 13.25% | 0.00% | -0.07% | 40.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| St. Martin National BankBank Saint Martin, MN | 100 out of 100, Very strong | $29.4M | 15.5% | 0.00% | vs |
| The First National Bank of ProctorBank Proctor, MN | 69 out of 100, Moderate | $34.0M | 8.5% | 0.00% | vs |
| State Bank of EastonBank Easton, MN | 74 out of 100, Strong | $28.4M | 13.8% | 1.60% | vs |
| The First National Bank of FairfaxBank Fairfax, MN | 67 out of 100, Moderate | $35.6M | 38.5% | 8.68% | vs |
| Farmers State Bank of HoffmanBank Hoffman, MN | 67 out of 100, Moderate | $36.9M | 12.6% | 2.10% | vs |
Deposit insurance
Is my money safe at Lake Country Community Bank?
Yes. Lake Country Community Bank is an FDIC-insured institution (FDIC certificate #17122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.0% of deposits ($2.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.59% (benchmark: 10%).
2 locations
Branches
Lake Country Community Bank lists 2 offices in 2 cities. Most locations:
- Morristown, MN (1)
- Nerstrand, MN (1)
Identity & history
Profile
- Legal name
- Lake Country Community Bank
- Former names
- State Bank of Morristown
- Type
- State-chartered bank
- FDIC certificate #
- 17122
- RSSD ID
- 706450
- Primary regulator
- FDIC
- Holding company
- Morristown Holding Co
- Established
- May 2, 1928
- Headquarters
- 111 Division St N, Morristown, MN 55052
- Website
- lccbank.com
- Employees
- 8
Quick answers
Lake Country Community Bank: common questions
Is Lake Country Community Bank FDIC insured?
Yes. Lake Country Community Bank is an FDIC-insured institution (FDIC certificate #17122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lake Country Community Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lake Country Community Bank ever failed?
There is no failure record for FDIC certificate #17122 in the FDIC failed bank list.
How many branches does Lake Country Community Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Morristown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Federated Employees Credit UnionCredit union Owatonna, MN | 82 out of 100, Strong | $66.7M | 13.2% | 0.19% | vs |
| Janesville State BankBank Janesville, MN | 81 out of 100, Strong | $98.8M | 11.4% | 0.00% | vs |
| Elysian BankBank Elysian, MN | 79 out of 100, Strong | $76.0M | 12.2% | 0.74% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |
| Keen Bank, National AssociationBank Waseca, MN | 76 out of 100, Strong | $201.1M | 8.4% | 0.06% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |