CENTER NATIONAL BANK

LITCHFIELD, MN | Small | Est. Jan. 1, 1891, midnight | FDIC #10976 | RSSD #1017957 | OCC
Latest Report: 2025-12-31

CENTER NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in LITCHFIELD, MN, established in Jan. 1, 1891, midnight. As of 2025-12-31, the bank reported total assets of $233M and total deposits of $205M. Profitability stands at 1.64% ROA and 16.33% ROE, with a net interest margin of 4.48%. The bank's CET1 capital ratio is 16.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10976.

Assets

$233M

Deposits

$205M

Loans

$158M

Equity

$24M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 16.33%
Net Interest Margin (NIM) 4.48%
Yield on Assets 5.52%
Cost of Funds 1.08%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 16.24%
Tier 1 Capital 16.24%
Total Capital Ratio 17.40%
Leverage Ratio 10.96%
Loan-to-Deposit 76.76%

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