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Perennial Bank


Perennial Bank is an FDIC insured institution headquartered at 318 N 1st St, Darwin, MN 55324.
It was founded in 1914 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - June 18, 2026

SAVINGS RATES APY MIN
Savings
0.20% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.40% $10,000 Compare
12 Mo CD
0.45% $10,000 Compare
30 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.55% $10,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.25% $10,000 Compare
Money Market
0.30% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.75% $1
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1413
Date Established 1914
Assets $ 156.68 million
Loans $ 61.71 million
Deposits $ 143.44 million
Capital $ 12.48 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 33.43 million
Interest-bearing balances $ 30.93 million
Total securities $ 57.75 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 61.71 million
Loan loss allowance $ 0.83 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.35 million
     Total Assets $ 144.19 million

LIABILITIES
Total deposits $ 143.44 million
      Interest-bearing deposits $ 100.30 million
      Deposits held in domestic offices $ 143.44 million
      % insured (estimated)" 89.14%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.63 millionn
      Total Liabilities $ 144.19 million
      Shareholders’ Equity $ 12.48 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 5.88 million
Total Interest Expense $ 1.70 million
Net interest income $ 4.18 million
Provision for loan and lease losses $ 0.18 million
Total non interest income $ 0.36 million
Total non interest expense $ 2.78 million
Pre-tax Net Operating Income $ 0.65 million

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