Perennial Bank (FDIC #1413): Bank Stress & Real-Estate Credit Exposure

Perennial Bank (FDIC Cert #1413): bank stress 78/100, severe, STABLE over 7 days; parent DARWIN BANCSHARES INC.

Perennial Bank (#1413) lends in 3 counties across 1 state; Perennial Bank (#1413) reaches 57 ZIP codes: Minnesota 3 counties, 57 ZIPs.

Perennial Bank (#1413) largest markets: Stearns County, MN (33 branches, 33 ZIPs) (#1413), Sibley County, MN (16 branches, 16 ZIPs) (#1413), Meeker County, MN (26 branches, 13 ZIPs) (#1413).

Perennial Bank (#1413) reports $158.1 million in total assets; Perennial Bank (#1413) equity $12.7 million (8.0% of Perennial Bank (#1413) assets); Perennial Bank (#1413) domestic deposits $144.6 million; Perennial Bank (#1413) net income $783,000; Perennial Bank (#1413) return on assets 1.00%; Perennial Bank (#1413) return on equity 12.57%; Perennial Bank (#1413) net interest income $2.2 million; Perennial Bank (#1413) call report June 30, 2026.

Perennial Bank (#1413) noncurrent real-estate loans 0.01% of its book; Perennial Bank (#1413) net charge-offs on real estate 0.74%.

Perennial Bank (#1413) net interest margin 2.99% against an eight-quarter Perennial Bank (#1413) average of 2.86% (Perennial Bank (#1413) compression -0.13 points); Perennial Bank (#1413) real-estate loans 0.9% of equity; Perennial Bank (#1413) rate-exposure score 40/100, Perennial Bank (#1413) fixed-rate trap 40/100; Perennial Bank (#1413) risk type credit driven; Perennial Bank (#1413) rate regime rates elevated, Perennial Bank (#1413) snapshot October 20, 2026.

Perennial Bank (#1413) stress score moved from 76.9 on June 22, 2026 to 77.5 on October 20, 2026; Perennial Bank (#1413) ranged 76.9 to 77.5 over 117 snapshots.

Perennial Bank (#1413) alerts: 3 counties; top Perennial Bank (#1413) alert scores: Dassel County, MN 27 (low); Paynesville County, MN 27 (low); Winthrop County, MN 27 (low).