BanksPERENNIAL BANK

PERENNIAL BANK

DARWIN, MNSmallEst. Jan. 1, 1914, midnightFDIC #1413RSSD #344852FDIC
Latest · 2025-12-31

PERENNIAL BANK is an 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 2.95%. CET1 capital ratio: 22.96%, well above regulatory minimums. NPL ratio: 0.59% · Texas Ratio: 2.77%. Operates 4 domestic branches.

Assets
$157M
Deposits
$143M
Loans
$63M
Equity
$12M

Profitability

Return on Assets (ROA)0.91%
Return on Equity (ROE)11.55%
Net Interest Margin2.95%
Yield on Assets4.15%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.59%
Net Charge-Off Ratio0.23%
Texas Ratio2.77%
NPA Ratio0.24%
ACL / Loans1.33%

Capital & Liquidity

CET1 Ratio22.96%
Tier 1 Capital22.96%
Total Capital Ratio24.21%
Leverage Ratio9.36%
Loan-to-Deposit43.60%

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