Bank Comparison
CenBank vs Peoples Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | CenBank | Peoples Bank |
|---|---|---|
| CET1 Ratio | 11.63% | 15.59% |
| Tier 1 Capital Ratio | 11.63% | 15.59% |
| Total Capital Ratio | 12.60% | 16.84% |
| Tier 1 Leverage Ratio | 7.26% | 11.13% |
| Equity / Assets | 7.13% | 14.78% |
Profitability
| Metric | CenBank | Peoples Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 1.37% |
| Return on Equity (ROE) | 7.88% | 9.38% |
| Net Interest Margin (NIM) | 4.29% | 4.23% |
| Yield on Earning Assets | 5.35% | 7.22% |
| Cost of Funds | 1.14% | 3.25% |
Asset quality
| Metric | CenBank | Peoples Bank |
|---|---|---|
| Texas Ratio | 0.00% | 11.20% |
| Non-Performing Loan Ratio | 0.00% | 1.56% |
| Non-Performing Asset Ratio | 0.00% | 1.25% |
| Net Charge-Off Ratio | 0.01% | 0.18% |
| ACL / Loans | 1.07% | 1.25% |
Balance sheet
| Metric | CenBank | Peoples Bank |
|---|---|---|
| Total Assets | $87,184K | $87,247K |
| Total Deposits | $80,576K | $73,773K |
| Total Loans | $47,304K | $68,543K |
| Total Equity | $6,216K | $12,899K |
| Net Income (quarter) | $122 | $299 |
Liquidity & funding
| Metric | CenBank | Peoples Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 58.71% | 92.91% |
| Core Deposit Ratio | 95.09% | 81.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | CenBank | Peoples Bank |
|---|---|---|
| Headquarters City | Buffalo Lake | CHATHAM |
| Headquarters State | MN | LA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 11 | 10 |
| Established | Jan. 1, 1893, midnight | Jan. 1, 1908, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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