🏦Bank Scorer

CENTER NATIONAL BANK

LITCHFIELD, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1891FDIC #10,976
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.32%

Is this bank safe?

CENTER NATIONAL BANK holds a Satisfactory CRA rating (2023), and is financially strong (ROA +1.32%).

Institution Profile

FDIC BankFind

Address

301 N Ramsey Ave, LITCHFIELD, MN

County

Meeker County

Established

January 1, 1891

Total Assets

$233M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 2, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$233M

Total Deposits

$206M

Net Loans

$153M

Net Income

$770K

ROA

1.32%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.99%

Risk-Based Capital

17.77%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.32%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.77%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate0.00%Peer avg: 6.90%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$213M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202448100%0.00%
202353100%0.00%
20227498.65%0.00%
20199991.92%6.06%
20187797.4%0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Oct 2023SatisfactorySmall Bank
Apr 2019SatisfactorySmall Bank
Feb 2014SatisfactorySmall Bank

3 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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