| Metric | Center National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +11.2% | +5.6% | +5.6 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 14.0% | 11.9% | +2.1 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.6M | $215.5M | $156.5M | $23.8M | $1.7M | 1.41% | 3.98% | 0.00% |
| Q1 2026 | $232.6M | $205.8M | $153.5M | $23.6M | $770K | 1.32% | 4.00% | 0.00% |
| Q4 2025 | $232.7M | $205.5M | $156.2M | $23.8M | $3.5M | 1.45% | 4.03% | 0.00% |
| Q3 2025 | $236.8M | $209.8M | $148.0M | $23.4M | $2.5M | 1.39% | 3.93% | 0.00% |
| Q2 2025 | $239.1M | $212.9M | $140.8M | $22.6M | $1.6M | 1.34% | 3.83% | 0.00% |
| Q1 2025 | $246.0M | $220.9M | $132.4M | $21.6M | $701K | 1.15% | 3.66% | 0.00% |
| Q4 2024 | $239.7M | $215.0M | $131.3M | $20.5M | $2.4M | 1.01% | 3.48% | 0.00% |
| Q3 2024 | $245.1M | $219.3M | $136.6M | $21.6M | $1.7M | 0.92% | 3.39% | 0.00% |
Loan mix (Q2 2026): real estate $117.4M · commercial $21.0M · consumer $8.3M · securities $57.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Center National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 62.9% | 59th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Center National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Center National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Center National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Center National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Center National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2024) · $212.9M branch deposits. Biggest market: Meeker, MN, ranked 1st with 31.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Meeker, MN | 1 | $189.8M | 31.91% | 1st |
| Hennepin, MN | 1 | $13.1M | 0.01% | 78th |
| Carver, MN | 1 | $10.0M | 0.32% | 19th |
Minnesota: 158th with 0.06% · Minneapolis-St. Paul-Bloomington metro: 154th, 0.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3