CenBank
Buffalo Lake, MN
IDRSSD: 308256
Total Assets
$78.04M
Latest filing
Total Deposits
$71.15M
Latest filing
Net Interest Margin
4.27%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
CenBank
109 W Yellowstone Trl
Buffalo Lake, MN 55314
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1893FDIC Certificate 5643
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CenBank (Main) | 109 W Yellowstone Trl | Buffalo Lake, MN |
| ORTONVILLE BRANCH | 113 1st St Nw | Ortonville, MN |
| CENBANK HUTCHINSON | 1380 Montreal St Se | Hutchinson, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55314 |
| State and County Number | 27129 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cenbank.com |
| Data Updated | 11/14/2025 |
| CERT | 8848 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $78.04M |
| Total Deposits | $71.15M |
| Total Liabilities | $71.87M |
| Total Equity Capital | $6.17M |
| Net Income | $315.00k |
| Net Loans and Leases | $47.63M |
| Assets Per Employee ($Millions) | $6M |
| Bank Premises and Fixed Assets | $1.40M |
| Cash and Balances due from Depository Institutions | $1.53M |
| Deposits Held in Domestic Offices | $71.15M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 20.67% |
| Net Interest Margin | 4.27% |
| Efficiency Ratio | 64.33% |
| Tier 1 Risk-Based Capital Ratio | 11.78% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.908% |
| Earning Assets to total Assets | 95.48% |
Income and Expense
| Total Interest Income | $1.03M |
| Total Noninterest Income | $68.00k |
| Total Interest Expense | $214.00k |
| Total Noninterest Expense | $568.00k |
| Net Interest Income | $815.00k |
| Pre-tax Net Operating Income | $325.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $250.00k |
| All Other Liabilities | $462.00k |
| Total Liabilities and Capital | $78.04M |
Securities
| Securities | $26.20M |
| Available-for-sale debt securities | $18.00M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $8.20M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CenBank?
$78.04M as of the latest filing.
How much are CenBank's total deposits?
$71.15M in total deposits.
Where is CenBank located?
Buffalo Lake, MN.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$47.63M (latest filing).
What is the total interest income (latest filing)?
$1.03M.