# CENBANK
BUFFALO LAKE, MN · FDIC certificate 8848 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $87.2M | |
| Deposits | $80.6M | |
| Loans and leases | $47.3M | |
| Total equity | $6.2M | |
| Loans / deposits | 58.08% (p28 of band) | 73.21% |
| Liquid assets / assets | 43.62% (p69 of band) | |
| Uninsured deposits / deposits | 18.96% (p48 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.26% (p1 of band) | 11.56% |
| Unrealized securities loss / equity | 0.06% (p91 of band) | -6.10% |
| AOCI / equity | 2.04% (p36 of band) | |
| ROA (annualized) | 1.15% (p57 of band) | 1.04% |
| Net interest margin | 4.12% (p63 of band) | 3.83% |
| Efficiency ratio | 72.86% (p62 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.34% |
| Net charge-offs (annualized) | 0.08% (p80 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 66% | |
| Construction % of loans | 21.16% (p54 of band) | |
| Auto loans | $2.5M (5.29% of loans; DQ 1.76%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | capital falling, reserve under noncurrent, deposits shrinking |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling, deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 2 |  | deposits shrinking |
| 2016-03 | 3 | deposits shrinking |  |
| 2016-06 | 1 |  | assets shrinking, deposits shrinking |
| 2016-09 | 1 | capital falling | uninsured deposits leaving |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 2 | deposits shrinking |  |
| 2020-03 | 1 |  | deposits shrinking |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | leverage <7% |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 0 |  | leverage <7% |
| 2022-12 | 0 |  |  |
| 2023-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-06 | 2 |  | deposits shrinking, assets shrinking |
| 2025-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2025-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-10 [Grand Marais State Bank merger doubles locations statewide - WTIP](https://news.google.com/rss/articles/CBMiggFBVV95cUxPek9yb1ZFZnRTY3VfYnJpWkcybUJCZUwzWVhSckI2YmFSR2JueFJKa2ZjT1VObXVqdkZTT2doVUp3VVR3ckpqNEZmUFVKZWtmVm5ZUkdRMmpTTnZLdDY0cVZZSnlkWExyR25wU3JWdEFOWlhxUHRwZXJVNXR1TllrX3NB?oc=5) · WTIP
- 2024-11-07 [India cenbank sees European proposal for oversight of clearing corp as 'extra jurisdictional', official says - Reuters](https://news.google.com/rss/articles/CBMitAFBVV95cUxQRzRUOXA0N09sTlREUkFYUExxcGJxSlpVWjVtTExqNHhTamhlT25sNnFzLVZJSHE3bGM2WVN1VGc2WWxhY25xb3ZwRWxGME1fbkdWYmh3RjFfQ0pyNThodGFPNXZDZXgxLTBueHc0aUxsc2c3ZW9sRHp5VXhSQmZmTlZVbXdmeHNmeEZJOEppQWVQWlZVVGs1dnliSXlCS1MxUU1nN1pWY3BRNV81WWt3TVdOSWE?oc=5) · Reuters
- 2025-06-20 [Mexican cenbank expected to cut base rate de... - BNamericas](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObVFnd3FIYXpXaWRIQW95UTRZR1l6LVhYc0VoRV9QcDRGeFNaendNOXo5UTZKMjRnOHI1VXdyQ1h5UTdtNjd4bEg4MXpJX3JfUlgzQmVPWmNlbFNSbHZiVXhYS0JMOHBsTFdRRThjVUNRVUluZlNIT0VXSm5GUFZRYThxdzExS0lPbU56UHJlQTgxOGF5NXhncWVIUVAxZVo3OXNRblBuM1o?oc=5) · BNamericas
- 2023-11-03 [Marlys Hamann Obituary Nov 3, 2023 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1KcjhsRm5CUU13cnh2U1ZsdENVZzgxa3NiUVBTTk1xaWx4VERSSWRGYl85aVN4MUc0V0lTbllaRVNhbUI2R2o1RVRhTXlxOGFaUlJDYXR1Skowa0pVUnRQd21obkdGYzlEcHQ0eE93?oc=5) · Mundwiler &amp; Larson Funeral Homes
- 2020-08-17 [Turkish lira falls to new to record low, cenbank meeting eyed - hiiraan.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQlA2S2NlWUx3ejhuRnZuWTc1UVJyaUN6N1R3X2Z2eEJXT0FySjNyMVhkaEN2ZWR1R21saDNLWnNlTlR4WEVlc1BuQVVaaExRQUFmeC1YOGFPVTc0NC1OV3MzVEFPY1RpRFBrZktCaTBPbnNqb0xfN3ZvS3pvZUlTYnRxU3hQTXQzM0IxSG5KZWl5d0FpYmJ4ZENmc2tYNy1fUHUya3dwRnJFcm8tbGNIUg?oc=5) · hiiraan.com
- 2017-01-25 [Brazil cenbank issues order to simplify comp... - BNamericas](https://news.google.com/rss/articles/CBMioAFBVV95cUxNS1I4aG1ERTl5REFseUdETjhrT1N5ZUlsNEMyNk9wZ1VTaU1xZEZSV2R2YWFJLV9mU2xSOFFTbW9BanEyazBENkFqRE9MeWMxN01EZ2hpT2d4ekszN1pNTy1YYzFfazd1TUVKVDlkM2ZILTNuandSRWQwb3N5MDYza0YzS0NMTUhVRUVaQ1BtMGNuV2EzdlRmajl1SUlZWDdi?oc=5) · BNamericas
- 2026-09-02 [Cenbank to launch Tk500cr financing scheme for young entrepreneurs in upazilas - The Business Standard](https://news.google.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?oc=5) · The Business Standard
- 2011-12-22 [Afghan cenbank chief focuses on Kabul Bank | Gulf Times - Gulf Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxQaDFfdTdrX1ZjTk9RbDlJSm9HaUhSejVOSFJtRC0wMVpSeHFxalN4aFN0Vi1XX0xGZE5CRElUSDVXbXZTY29acXZhR19hb09wQ1ljZGh2c2lNSG5qWDN4YnctUG5oNnVMM0N2ajdON0JYMkRRc3o4LWl4Wi04XzNEaHdPdzZYNjZWSEHSAY8BQVVfeXFMTW1MaTlVQjJOQUtXSTg2a0tXcUg5MnFmbUk4T0pWQ0w0R09jZHRLOUZfcU96Q2tKNEo0X19QVVE3SXpsMEhGU0JVVDloOWZ0ZWs4UnRxclJPVGpYWVVQallaRGFrZERGZmZpamlINGZWYmlMVXhmenF0V0hOODdRY0dKbWFQVEphb0ZYU3djQnc?oc=5) · Gulf Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8848 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "8848", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide