Luminate Bank
Headquartered in Minneapolis, MN. Part of Luminate Capital Corp. FDIC certificate #16635 · Federal Reserve RSSD 310754.
Total assets
$555M
Deposits
$413M
Q2 2026
Active branches
2
Closings since Jan 2020
0
0 openings since Jan 2020
Financial snapshot — Q2 2026
All quarters →Net income (quarter)
$4M
Return on assets
3.07%
Return on equity
31.29%
Noncurrent loan rate
2.33%
Deposits by year (Summary of Deposits)
02019
02020
02021
02022
02023
02024
02025
02026
Values in $ billions, June 30 of each year.
Other network changes since 2020
- 1 branch relocations
- April 14, 2022: legal name changed from “American Equity Bank” to “Luminate Bank”
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: luminate.bank.