CenBank
Operating from Buffalo Lake, MN, Cenbank serves its local market as an FDIC-insured commercial bank. Cenbank's Q4 2025 balance sheet shows $87M in assets funded primarily by $81M in customer deposits. Returns are subdued: 0.58% ROA and 7.88% ROE. Capital cushions are healthy: 11.63% CET1, 7.26% Tier 1 leverage. Asset quality is pristine — 0.00% NPLs and a 0.00% Texas Ratio. It operates 3 branches, primarily in Minnesota.
Headquarters Profile
- Address
- 109 W Yellowstone Trl, Buffalo Lake, MN 55314
- County
- Renville
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1893
- Branches
- 3 domestic
- Employees (FTE)
- 11
- FDIC Cert
- 8848
- Fed RSSD
- 308256
Capital & Liquidity
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CenBank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 5 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
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Frequently asked about CenBank
What are CenBank's total assets?
As of the Q1 2026 filing, CenBank reported total assets of $87.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CenBank headquartered?
CenBank is headquartered in Buffalo Lake, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was CenBank founded?
CenBank was established in 1893, per the FDIC institution directory.
Is CenBank FDIC-insured?
Yes. CenBank is an FDIC-insured commercial bank (FDIC Certificate #8848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CenBank?
CenBank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is CenBank's CET1 capital ratio?
CenBank reported a Common Equity Tier 1 (CET1) capital ratio of 11.63% in its most recent quarterly filing — above regulatory minimums.
How many branches does CenBank operate?
CenBank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is CenBank's Texas Ratio?
CenBank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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