KENTLAND BANK

KENTLAND, IN | Small | Est. Sept. 19, 1932, midnight | FDIC #13843 | RSSD #367543 | FDIC
Latest Report: 2025-12-31

KENTLAND BANK is asn small FDIC-insured commercial bank headquartered in KENTLAND, IN, established in Sept. 19, 1932, midnight. As of 2025-12-31, the bank reported total assets of $407M and total deposits of $311M. Profitability stands at 1.26% ROA and 11.41% ROE, with a net interest margin of 4.40%. The bank's CET1 capital ratio is 10.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.10% and a Texas Ratio of 12.82%. FDIC Certificate #13843.

Assets

$407M

Deposits

$311M

Loans

$276M

Equity

$45M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 11.41%
Net Interest Margin (NIM) 4.40%
Yield on Assets 6.40%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 2.10%
Net Charge-Off Ratio 0.20%
Texas Ratio 12.82%
NPA Ratio 1.54%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 10.98%
Tier 1 Capital 10.98%
Total Capital Ratio 11.53%
Leverage Ratio 11.75%
Loan-to-Deposit 88.99%

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