$61.9M
+4.7%y/y
Percentile by value11th percentileby value
FDIC
LNLSGRPB
Perennial Bank
Darwin, MinnesotaFDIC Cert #1413
STATEEstablished 19144 branches
Holding company: DARWIN BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $5.51M |
| Investor CRE | $0 |
| Multifamily | $499K |
| Construction | $4.17M |
| 1–4 family | $28.4M |
| C&I | $8.88M |
| Agriculture | $8.02M |
| Other | $6.45M |
Loan book
Reported balances and balance-sheet intensity.
$61M
+4.6%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET+4.57%
−59.2%y/y
Percentile by value47th percentileby value
FDIC
LNLSNET42.7%
−1.5%y/y
Percentile by value7th percentileby value
FDIC
LNLSNET + DEP39.1%
−2.5%y/y
Percentile by value9th percentileby value
FDIC
LNLSNET + ASSET69.01%
+7.3%y/y
Percentile by value29th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
29%
+3.2%y/y
Percentile by value16th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC26%
−5.7%y/y
Percentile by value53rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,516points
+11.7%y/y
Peer standing44th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD8.89%
−2.7%y/y
Percentile by value51st percentileby value
FDIC
LNRENROW + LNLSGR0.00%
Percentile by value0th percentileby value
FDIC
LNRENROT + LNLSGR14.35%
−21.1%y/y
Percentile by value73rd percentileby value
FDIC
LNCI + LNLSGR