Headquartered in Lake Park, Minnesota, State Bank of Lake Park is a state-chartered bank with $47.0M in total assets and $42.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1926.
Based on its Q2 2026 filing, State Bank of Lake Park scores 69/100, which we describe as moderate. That is higher than only 37% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 117th. Its strongest component is funding & liquidity (100/100; 61% loans-to-deposits, 6% uninsured), and its lowest is loan quality (49/100; 1.52%).
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
From Q2 2025 to Q2 2026, the score rose 6 points (63 → 69), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 60 |
| Q1 2025 | 58 |
| Q2 2025 | 63 |
| Q3 2025 | 62 |
| Q4 2025 | 63 |
| Q1 2026 | 66 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.15% |
| Q3 2024 | 10.34% |
| Q4 2024 | 10.52% |
| Q1 2025 | 10.23% |
| Q2 2025 | 10.99% |
| Q3 2025 | 10.70% |
| Q4 2025 | 10.63% |
| Q1 2026 | 10.75% |
| Q2 2026 | 10.98% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.22% |
| Q3 2024 | 2.21% |
| Q4 2024 | 1.69% |
| Q1 2025 | 1.76% |
| Q2 2025 | 1.79% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.52% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.88% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $47.0M | 10.98% | 1.52% | 1.38% | 60.7% |
| Q1 2026 | 66 | $45.8M | 10.75% | 1.66% | 1.33% | 60.9% |
| Q4 2025 | 63 | $46.2M | 10.63% | 1.57% | 0.88% | 61.0% |
| Q3 2025 | 62 | $44.7M | 10.70% | 1.65% | 0.85% | 60.3% |
| Q2 2025 | 63 | $43.5M | 10.99% | 1.79% | 0.97% | 58.0% |
| Q1 2025 | 58 | $43.9M | 10.23% | 1.76% | 0.70% | 58.2% |
| Q4 2024 | 60 | $44.4M | 10.52% | 1.69% | 0.69% | 60.0% |
| Q3 2024 | 54 | $44.3M | 10.34% | 2.21% | 0.68% | 60.9% |
| Q2 2024 | 53 | $44.1M | 10.15% | 2.22% | 0.67% | 61.8% |
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 |
|---|---|---|---|---|---|
| The First National Bank of McIntoshBank Mcintosh, MN | 86 out of 100, Very strong | $47.0M | 20.2% | 1.16% | vs |
| State Bank of TauntonBank Taunton, MN | 55 out of 100, Moderate | $46.6M | 13.4% | 4.06% | vs |
| Farmers and Merchants State Bank of AlphaBank Alpha, MN | 46 out of 100, Below average | $47.4M | 11.1% | 4.15% | vs |
| State Bank of BellinghamBank Bellingham, MN | 62 out of 100, Moderate | $46.4M | 14.8% | 2.50% | vs |
| Marshall County State BankBank Newfolden, MN | 95 out of 100, Very strong | $45.4M | 15.8% | 0.00% | vs |
| Security State Bank of OkleeBank Oklee, MN | 98 out of 100, Very strong | $48.8M | 15.8% | 0.00% | vs |
Deposit insurance
Is my money safe at State Bank of Lake Park?
Yes. State Bank of Lake Park is an FDIC-insured institution (FDIC certificate #9351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.3% of deposits ($2.7M) 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 10.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
State Bank of Lake Park lists 1 office in 1 city. Most locations:
- Lake Park, MN (1)
Identity & history
Profile
- Legal name
- State Bank of Lake Park
- Type
- State-chartered bank
- FDIC certificate #
- 9351
- RSSD ID
- 912756
- Primary regulator
- FDIC
- Holding company
- Lake Park Bancshares Inc
- Established
- October 11, 1926
- Headquarters
- 2049 2nd Street, Lake Park, MN 56554
- Website
- www.statebankoflakepark.com
- Employees
- 7
Quick answers
State Bank of Lake Park: common questions
Is State Bank of Lake Park FDIC insured?
Yes. State Bank of Lake Park is an FDIC-insured institution (FDIC certificate #9351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Lake Park's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank of Lake Park ever failed?
There is no failure record for FDIC certificate #9351 in the FDIC failed bank list.
How many branches does State Bank of Lake Park have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lake Park
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vergas State BankBank Vergas, MN | 93 out of 100, Very strong | $60.7M | 15.3% | 0.16% | vs |
| Valley Premier BankBank Hawley, MN | 81 out of 100, Strong | $141.0M | 11.1% | 0.00% | vs |
| Midwest BankBank Detroit Lakes, MN | 74 out of 100, Strong | $984.5M | 9.8% | 0.05% | vs |
| Northwestern Bank, National AssociationBank Dilworth, MN | 70 out of 100, Strong | $164.7M | 11.2% | 1.23% | vs |
| Deerwood BankBank Waite Park, MN | 68 out of 100, Moderate | $1.5B | 8.1% | 0.29% | vs |
| American National Bank of MinnesotaBank Baxter, MN | 65 out of 100, Moderate | $473.2M | 10.8% | 1.00% | vs |