BanksCENBANK

CENBANK

BUFFALO LAKE, MNMicroRSSD #308256
Latest · 2025-12-31

CENBANK is an 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%. CET1 capital ratio: 11.63%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$87M
Deposits
$81M
Loans
$47M
Equity
$6M

Profitability

Return on Assets (ROA)0.59%
Return on Equity (ROE)7.88%
Net Interest Margin4.57%
Yield on Assets5.71%
Cost of Funds1.14%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.13%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.07%

Capital & Liquidity

CET1 Ratio11.63%
Tier 1 Capital11.63%
Total Capital Ratio12.60%
Leverage Ratio7.26%
Loan-to-Deposit58.71%

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