TellerScore

Center National Bank is a national bank headquartered in Litchfield, Minnesota, in business for about 135 years. At the end of Q2 2026 it reported $242.6M in total assets and $215.5M in deposits, with 3 offices.

Center National Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 37th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (61/100, 11.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.05%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 72.6% · 25.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
747780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202475
Q1 202577
Q2 202579
Q3 202580
Q4 202580
Q1 202680
Q2 202680
Tier 1 leverage ratio
5.00%8.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.00%
Q3 202410.17%
Q4 202410.02%
Q1 202510.30%
Q2 202510.71%
Q3 202510.93%
Q4 202510.96%
Q1 202611.13%
Q2 202611.05%
Noncurrent loans
0.00%0.00%0.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.90%1.18%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.90%
Q3 20240.92%
Q4 20241.01%
Q1 20251.15%
Q2 20251.34%
Q3 20251.39%
Q4 20251.45%
Q1 20261.32%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$242.6M11.05%0.00%1.41%72.6%
Q1 202680$232.6M11.13%0.00%1.32%74.6%
Q4 202580$232.7M10.96%0.00%1.45%76.0%
Q3 202580$236.8M10.93%0.00%1.39%70.5%
Q2 202579$239.1M10.71%0.00%1.34%66.1%
Q1 202577$246.0M10.30%0.00%1.15%59.9%
Q4 202475$239.7M10.02%0.00%1.01%61.1%
Q3 202475$245.1M10.17%0.00%0.92%62.3%
Q2 202474$236.4M10.00%0.01%0.90%63.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.05%
52nd
Total risk-based capital17.76%
80th
Problem loans0.00%
86th
Net charge-offs-0.00%
83rd
Return on assets1.41%
60th
Net interest margin3.98%
53rd
Efficiency ratio66.0%
39th
Loans to deposits72.6%
65th
Uninsured deposits25.8%
43rd
Loan-loss reserves0.99%
25th
Texas ratio0.0%
88th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
First Farmers & Merchants National BankBank Luverne, MN70 out of 100, Strong$242.6M11.6%0.85%vs
Arcadian BankBank Hartland, MN85 out of 100, Very strong$242.1M12.0%0.10%vs
BankwestBank Rockford, MN76 out of 100, Strong$239.9M9.5%0.08%vs
Cornerstone State BankBank Montgomery, MN74 out of 100, Strong$247.0M10.6%0.80%vs
Drake BankBank Saint Paul, MN18 out of 100, Low$247.4M7.3%4.49%vs
United Farmers State BankBank Adams, MN75 out of 100, Strong$233.8M10.3%0.33%vs

Deposit insurance

Is my money safe at Center National Bank?

Yes. Center National Bank is an FDIC-insured institution (FDIC certificate #10976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.8% of deposits ($55.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.76% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Center National Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Center National Bank reported 59 home-loan applications under HMDA (LEI 5493008LABVG9QJ78G04): 59 originated ($14,685,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Center National Bank
Former names
First State Bank of Litchfield; First Bank Central, National Association; State Bank of Litchfield
Type
National bank
FDIC certificate #
10976
RSSD ID
1017957
Primary regulator
OCC
Holding company
Cnb Financial Corp
Established
January 1, 1891
Headquarters
301 N Ramsey Ave, Litchfield, MN 55355
Employees
37

Quick answers

Center National Bank: common questions

Is Center National Bank FDIC insured?

Yes. Center National Bank is an FDIC-insured institution (FDIC certificate #10976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Center National Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Center National Bank ever failed?

There is no failure record for FDIC certificate #10976 in the FDIC failed bank list.

How many branches does Center National Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Litchfield

InstitutionScoreAssetsCapitalProblem loansCompare
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Home State BankBank Litchfield, MN83 out of 100, Strong$218.9M11.8%0.08%vs
Grand Marais State BankBank Grand Marais, MN75 out of 100, Strong$207.2M8.4%0.10%vs
Southpoint Financial Credit UnionCredit union Sleepy Eye, MN73 out of 100, Strong$608.9M11.2%0.17%vs
MidCountry BankBank Minneapolis, MN72 out of 100, Strong$1.1B13.0%0.90%vs
Novation Credit UnionCredit union Oakdale, MN71 out of 100, Strong$244.0M11.0%0.66%vs