Skip to main content
BDI
PB

Perennial Bank

Darwin, MinnesotaFDIC Cert #1413

STATEEstablished 19144 branches

Holding company: DARWIN BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.43%
−36.1%y/y
Peer standing57th percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.32%
+9.5%y/y
Peer standing15th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.59%
+110.8%y/y
Peer standing33rd percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
0.90%
+59.2%y/y
Peer standing31st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.36%
+55.5%y/y
Peer standing44th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$560K
+66.7%y/y
Peer standing49th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
+136.7%y/y
Peer standing33rd percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
$2K
+140.0%y/y
Peer standing38th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.41%
+7.6%y/y
Percentile by value70th percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$266K
−33.2%y/y
Peer standing68th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$196K
+14.6%y/y
Peer standing21st percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$364K
+120.6%y/y
Peer standing45th percentile
Peer standing in asset:100m_300m
FDICNAASSET