CenBank
Buffalo Lake, MN
IDRSSD: 308256
Total Assets
$87.18M
Latest filing
Total Deposits
$80.58M
Latest filing
Net Interest Margin
4.38%
Profitability
Key People
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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 | Institution closed or not insured by 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 | 01/01/2026 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 8848 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $87.18M |
| Total Deposits | $80.58M |
| Total Liabilities | $80.97M |
| Total Equity Capital | $6.22M |
| Net Income | $122.00k |
| Net Loans and Leases | $46.80M |
| Assets Per Employee ($Millions) | $7.93M |
| Bank Premises and Fixed Assets | $1.39M |
| Cash and Balances due from Depository Institutions | $4.25M |
| Deposits Held in Domestic Offices | $80.58M |
Key Performance Ratios
| Return on Assets (ROA) | 0.59% |
| Return on Equity (ROE) | 7.88% |
| Net Interest Margin | 4.38% |
| Efficiency Ratio | 86.67% |
| Tier 1 Risk-Based Capital Ratio | 11.633% |
| 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 | 7.13% |
| Earning Assets to total Assets | 96.44% |
Income and Expense
| Total Interest Income | $1.08M |
| Total Noninterest Income | $47.00k |
| Total Interest Expense | $217.00k |
| Total Noninterest Expense | $793.00k |
| Net Interest Income | $868.00k |
| Pre-tax Net Operating Income | $132.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $392.00k |
| Total Liabilities and Capital | $87.18M |
Securities
| Securities | $33.78M |
| Available-for-sale debt securities | $23.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $10.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CenBank?
$87.18M as of the latest filing.
How much are CenBank's total deposits?
$80.58M in total deposits.
Where is CenBank located?
Buffalo Lake, MN.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$46.80M (latest filing).
What is the total interest income (latest filing)?
$1.08M.