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Center National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10976

Litchfield, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +1.2% year over year ($215.5M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.41%.
  • Efficiency ratio 65.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Center National Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 23.1% in tier
  • + ROA 0.09% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.9% in tier
  • - Credit Risk Growth: Bottom 43.5% in tier
  • - Efficiency Ratio 1.49% above tier average
Get updates when Center National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $242.6M
+1.5% YoY +4.3% QoQ
-$144.0M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $156.5M
+11.2% YoY +2.0% QoQ
-$101.8M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $215.5M
+1.2% YoY +4.7% QoQ
-$111.2M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.41%
+5.4% YoY +6.4% QoQ
+0.09% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 3.98%
+4.0% YoY -0.5% QoQ
+0.00% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 65.97%
+0.4% YoY -2.4% QoQ
+1.49% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.00%
+109.8% YoY
-0.91% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 13.1% in tier
Loan-to-Deposit Ratio ? 72.63%
+9.8% YoY -2.6% QoQ
-5.32% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 22.41%
-0.8% YoY +0.5% QoQ
+0.38% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.00%
+130.0% YoY
-0.67% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 11.9% in tier
Tier 1 Capital Ratio ? 16.56%
-2.6% YoY -0.1% QoQ
+0.65% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.18%
+6.7% YoY +92.6% QoQ
-0.38% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 22.4%
-0.2pp YoY
+0.1pp QoQ
 +0.3pp 22.1% 21.9% 22.2% 56%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 13.4%
-3.1pp YoY
0.0pp QoQ
 +1.9pp 11.6% 14.6% 12.5% 70%
CRE 39.3%
-0.8pp YoY
+0.4pp QoQ
 -0.2pp 39.5% 36.5% 41.4% 52%
1-4 Family 30.6%
+4.9pp YoY
+0.6pp QoQ
 -2.0pp 32.6% 29.4% 31.3% 53%
Consumer 5.3%
-1.0pp YoY
-0.5pp QoQ
 +1.2pp 4.1% 4.5% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 16.6%
-0.4pp YoY
0.0pp QoQ
 -2.3pp 18.8% 16.5% 19.7% 61%
Leverage Ratio 11.1%
+0.3pp YoY
-0.1pp QoQ
 -1.1pp 12.2% 11.0% 12.6% 52%
Total Capital Ratio 17.8%
-0.3pp YoY
0.0pp QoQ
 -2.2pp 19.9% 17.6% 20.8% 62%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 37
+1 (+2.8%) YoY
+1 (+2.8%) QoQ
 -22 58 55 482 37%
Assets per Employee ($) $6.6M
-1.3% YoY
+1.5% QoQ
 -$962K $7.5M $8.6M $8.8M 44%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
 -0.9pp 0.9% 1.0% 1.0% 1%
Allowance Coverage 223.43x
-47.6% YoY
 +199.28x 24.15x 20.41x 20.23x 98%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 14.0%
-0.9pp YoY
+1.0pp QoQ
 +1.8pp 12.2% 13.1% 11.6% 62%
Cost of Funds (YTD) 1.1%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 13%
Net Income ($, YTD) $1.7M
+3.0% YoY
— QoQ
 -$893K $2.6M $4.5M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#153 of 659 • Top 23.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#12 of 1256 • Bottom 0.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#408 of 936 • Bottom 43.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

316
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#316 of 2643 Top 11.9% in $100M-$1B
346
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#346 of 2633 Top 13.1% in $100M-$1B
659
Tier 1 Capital Ratio
capital
Value: 16.56%
Peer Median: 15.91%
#659 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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