Perennial Bank

BankDarwin, Minnesota
www.perennialbank.com

Total Assets

$156.7M

Total Deposits

$143.4M

Branches

4

Established

1914

TFS Health Grade

$
D+

68.0 / 100

Below average financial health

How we grade

Perennial Bank is a bank headquartered in Darwin, Minnesota, established in 1914. With $156.7M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (68.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.36%(8%)
Total Capital Ratio
24.21%(10%)
Non-Performing Loan Ratio
0.66%

Profitability

Return on Assets (ROA)
0.97%(1%)
Return on Equity (ROE)
13.24%(10%)
Net Interest Margin
2.94%
Efficiency Ratio
61.30%(60%)

Lending & Liquidity

Total Loans
$62.5M
Loan-to-Deposit Ratio
43.02%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+9.81%
Deposit Growth (YoY)
+8.06%
Net Income
$1.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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