$418M
+43.2%y/y
Percentile by value65th percentileby value
FDIC
LNLSGRLB
Luminate Bank
Minneapolis, MinnesotaFDIC Cert #16635
STATEEstablished 19372 branches
Holding company: LUMINATE CAPITAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $22.1M |
| Investor CRE | $10.4M |
| Multifamily | $10.5M |
| Construction | $49.7M |
| 1–4 family | $285M |
| C&I | $40.5M |
| Agriculture | $0 |
| Other | $253K |
Loan book
Reported balances and balance-sheet intensity.
$414M
+43.2%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET+43.24%
−34.2%y/y
Percentile by value99th percentileby value
FDIC
LNLSNET98.4%
−14.5%y/y
Percentile by value90th percentileby value
FDIC
LNLSNET + DEP80.0%
−5.5%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET + ASSET92.82%
+0.1%y/y
Percentile by value80th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
128%
+14.0%y/y
Percentile by value37th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC90%
+24.9%y/y
Percentile by value87th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC4,919points
−2.9%y/y
Peer standing2nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.28%
+21.7%y/y
Percentile by value15th percentileby value
FDIC
LNRENROW + LNLSGR2.49%
+10.0%y/y
Percentile by value7th percentileby value
FDIC
LNRENROT + LNLSGR9.69%
−10.8%y/y
Percentile by value49th percentileby value
FDIC
LNCI + LNLSGR