CENBANK

BUFFALO LAKE, MN | Micro | RSSD #308256
Latest Report: 2025-12-31

CENBANK is amn micro FDIC-insured commercial bank headquartered in BUFFALO LAKE, MN. As of 2025-12-31, the bank reported total assets of $87M and total deposits of $81M. Profitability stands at 0.59% ROA and 7.88% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 11.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%.

Assets

$87M

Deposits

$81M

Loans

$47M

Equity

$6M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 7.88%
Net Interest Margin (NIM) 4.57%
Yield on Assets 5.71%
Cost of Funds 1.53%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.13%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.63%
Tier 1 Capital 11.63%
Total Capital Ratio 12.60%
Leverage Ratio 7.26%
Loan-to-Deposit 58.71%

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