KENSINGTON BANK

KENSINGTON, MN | Small | Est. Jan. 1, 1898, midnight | FDIC #1409 | RSSD #58757 | FDIC
Latest Report: 2025-12-31

KENSINGTON BANK is asn small FDIC-insured commercial bank headquartered in KENSINGTON, MN, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $446M and total deposits of $383M. Profitability stands at 0.87% ROA and 9.39% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 10.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 9.32%. FDIC Certificate #1409.

Assets

$446M

Deposits

$383M

Loans

$350M

Equity

$42M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 9.39%
Net Interest Margin (NIM) 3.89%
Yield on Assets 6.27%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.17%
Texas Ratio 9.32%
NPA Ratio 0.92%
ACL / Loans 0.66%

Capital & Liquidity

CET1 Ratio 10.70%
Tier 1 Capital 10.70%
Total Capital Ratio 11.38%
Leverage Ratio 8.94%
Loan-to-Deposit 91.20%

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