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.
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