PERENNIAL BANK

DARWIN, MN | Small | Est. Jan. 1, 1914, midnight | FDIC #1413 | RSSD #344852 | FDIC
Latest Report: 2025-12-31

PERENNIAL BANK is asn small FDIC-insured commercial bank headquartered in DARWIN, MN, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $157M and total deposits of $143M. Profitability stands at 0.91% ROA and 11.55% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 22.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 2.77%. FDIC Certificate #1413.

Assets

$157M

Deposits

$143M

Loans

$63M

Equity

$12M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 11.55%
Net Interest Margin (NIM) 3.17%
Yield on Assets 4.46%
Cost of Funds 1.30%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.77%
NPA Ratio 0.24%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 22.96%
Tier 1 Capital 22.96%
Total Capital Ratio 24.21%
Leverage Ratio 9.36%
Loan-to-Deposit 43.60%

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