KENTLAND FEDERAL SAVINGS AND LOAN ASSOCIATION

KENTLAND, IN | Micro | Est. Jan. 1, 1920, midnight | FDIC #28722 | RSSD #382274 | OCC
Latest Report: 2025-12-31

KENTLAND FEDERAL SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in KENTLAND, IN, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $4M and total deposits of $4M. Profitability stands at -4.41% ROA and -74.94% ROE, with a net interest margin of 1.32%. The bank's CET1 capital ratio is 5.27%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 6.62% and a Texas Ratio of 98.65%. FDIC Certificate #28722.

Assets

$4M

Deposits

$4M

Loans

$3M

Equity

$193K

Profitability

Return on Assets (ROA) -4.41%
Return on Equity (ROE) -74.94%
Net Interest Margin (NIM) 1.32%
Yield on Assets 4.79%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 6.62%
Net Charge-Off Ratio 0.12%
Texas Ratio 98.65%
NPA Ratio 5.61%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 5.27%
Tier 1 Capital 11.17%
Total Capital Ratio 12.50%
Leverage Ratio 5.19%
Loan-to-Deposit 90.08%

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