🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.

CENBANK

BUFFALO LAKE, MN · Supervised by FDIC

Est. 1893FDIC #8,848RSSD: FDIC-8848
Part ofCENTRAL TRUST CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.15%

Institution Profile

FDIC BankFind

Address

109 W Yellowstone Trl, BUFFALO LAKE, MN

County

Renville County

Established

January 1, 1893

Total Assets

$87M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$87M

Total Deposits

$81M

Net Loans

$47M

Net Income

$935K

ROA

1.15%

ROE

15.32%

Risk-Based Capital

12.60%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$75M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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