Is Perennial Bank Safe?
Perennial Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (56/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 23.08% | 100/100 |
| Nonperforming Loan Ratio | 0.43% | 91/100 |
| Liquidity Ratio | 58.37% | 100/100 |
| Return on Assets | 0.90% | 56/100 |
| Total Assets | $0.1B | |
How does Perennial Bank compare?
With a Bank Health Score of 93/100, Perennial Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Perennial Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 23.08% 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 0.43% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Perennial Bank's Bank Health Score held roughly steady at 93/100. Tier 1 capital strengthened by 0.93 percentage points to 23.08%. Quarter-over-quarter, the score rose by 1.0 points.
Perennial Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (56/100).