Cenbank
Buffalo Lake, MN · Cert 8848 · Peer group: banks under $1B in assets in MN (n=115-117)
FDIC · 3 branches
Q4 2025
$87.2MAssets
$47.3MLoans
$80.6MDeposits
$6.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 20 of 115).
- Widest gap: equity / assets trails 92% of banks under $1B in assets in MN (rank 108 of 117).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.85%
Rank 70 of 117
Net Interest Margin
3.78%
Rank 48 of 117
Efficiency Ratio
72.86%
Rank 91 of 117
Equity / Assets
7.13%
Rank 108 of 117
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 23% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.71% | 0.97% | 1.25% | Beats 40% | 70 / 117 | |
| Return on Equity | 11.87% | 6.64% | 9.81% | 11.90% | Beats 71% | 34 / 117 | |
| Net Interest Margin | 3.78% | 3.18% | 3.61% | 4.07% | Beats 59% | 48 / 117 | |
| Efficiency Ratio | 72.86% | 58.76% | 65.40% | 71.86% | Beats 23% | 91 / 117 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.35% | 1.20% | Beats 100% | 20 / 115 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.43% | 13.60% | 18.44% | Beats 28% | 84 / 117 | |
| Total Risk-Based Capital Ratio | 12.60% | 11.99% | 14.50% | 19.16% | Beats 32% | 80 / 117 | |
| Equity / Assets | 7.13% | 8.50% | 9.94% | 11.88% | Beats 8% | 108 / 117 | |
| Liquidity & Funding |
| Loans / Deposits | 58.71% | 61.85% | 76.76% | 89.60% | 21st pctl | 91 / 115 | |
| Loans / Assets | 54.26% | 54.26% | 66.37% | 76.17% | 24th pctl | 87 / 115 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 1.29% | Beats 100% | 77 / 115 | |