🏦Bank Scorer

PERENNIAL BANK

DARWIN, MN · Supervised by FDIC

Est. 1914FDIC #1,413RSSD: FDIC-1413
Part ofDARWIN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

318 N 1st St, DARWIN, MN

County

Meeker County

Established

January 1, 1914

Total Assets

$156M(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

September 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$156M

Total Deposits

$143M

Net Loans

$61M

Net Income

$387K

ROA

0.99%

ROE

12.55%

Risk-Based Capital

25.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$137M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202321100%0.00%
202036100%0.00%
201929100%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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