Center National Bank
Litchfield, MN · Cert 10976 · Peer group: banks under $1B in assets in MN (n=111-113) · CNB Financial Corp.
National charter · OCC · 3 branches
Q2 2026
$242.6MAssets
$158.1MLoans
$215.5MDeposits
$23.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of banks under $1B in assets in MN (rank 13 of 111).
- Widest gap: efficiency ratio trails 65% of banks under $1B in assets in MN (rank 75 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.08%
Rank 66 of 113
Net Interest Margin
3.72%
Rank 71 of 113
Efficiency Ratio
65.97%
Rank 75 of 113
Equity / Assets
9.80%
Rank 64 of 113
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 35% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.87% | 1.20% | 1.41% | Beats 42% | 66 / 113 | | |
| Return on Equity | 10.98% | 8.92% | 11.27% | 13.99% | Beats 44% | 63 / 113 | | |
| Net Interest Margin | 3.72% | 3.42% | 3.88% | 4.31% | Beats 37% | 71 / 113 | | |
| Efficiency Ratio | 65.97% | 54.13% | 61.48% | 69.86% | Beats 35% | 75 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 89% | 13 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 50% | 56 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 16.56% | 11.53% | 13.31% | 18.13% | Beats 71% | 33 / 113 | | |
| Total Risk-Based Capital Ratio | 17.76% | 12.12% | 14.43% | 19.39% | Beats 72% | 32 / 113 | | |
| Equity / Assets | 9.80% | 8.52% | 10.10% | 11.94% | Beats 43% | 64 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.36% | 62.08% | 77.32% | 88.06% | 44th pctl | 62 / 111 | | |
| Loans / Assets | 65.17% | 55.01% | 66.35% | 75.50% | 46th pctl | 61 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |