BlastPoint's Banking Scorecard
Center National Bank
Micro
Specialty: Commercial
MN
FDIC cert 10976
Designations: ✓ Community bank
Litchfield, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Center National Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.7M
-2.9% YoY
-1.7% QoQ
|
+$15.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$156.2M
+18.9% YoY
+5.6% QoQ
|
+$17.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$205.5M
-4.5% YoY
-2.1% QoQ
|
+$21.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.45%
+44.0% YoY
+4.4% QoQ
|
+0.37% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.03%
+15.6% YoY
+2.5% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
62.48%
-13.1% YoY
-1.9% QoQ
|
-5.24% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
76.02%
+24.5% YoY
+7.8% QoQ
|
+1.49% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
22.38%
-6.4% YoY
-4.6% QoQ
|
-0.01% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.24%
-6.4% YoY
-2.4% QoQ
|
+7.39% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.36%
-5.6% YoY
+36.1% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.24% · Tier avg: 8.85%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
61
61th pctile
Total Deposits
Current: $205.5M · Tier avg: $183.7M
60
60th pctile
Efficiency Ratio
Current: 62.48% · Tier avg: 67.73%
59
59th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
58
58th pctile
Total Assets
Current: $232.7M · Tier avg: $217.5M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.38% · Tier avg: 22.39%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.02% · Tier avg: 74.53%
Top Weaknesses
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.02% · Tier avg: 74.53%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.38% · Tier avg: 22.39%
58
58th pctile
Total Assets
Current: $232.7M · Tier avg: $217.5M
59
59th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
60
60th pctile
Efficiency Ratio
Current: 62.48% · Tier avg: 67.73%
61
61th pctile
Total Deposits
Current: $205.5M · Tier avg: $183.7M
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.24% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%