Is Cenbank Safe?
Cenbank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (76/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.44% | 80/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 40.62% | 100/100 |
| Return on Assets | 1.40% | 76/100 |
| Total Assets | $0.1B | |
How does Cenbank compare?
With a Bank Health Score of 91/100, Cenbank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Cenbank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 12.44% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Cenbank's Bank Health Score improved by 5.0 points to 91/100. Tier 1 capital strengthened by 1.30 percentage points to 12.44%.
Cenbank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (76/100).