KERNDT BROTHERS SAVINGS BANK

LANSING, IA | Small | Est. Jan. 14, 1908, midnight | FDIC #8761 | RSSD #665146 | FDIC
Latest Report: 2025-12-31

KERNDT BROTHERS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in LANSING, IA, established in Jan. 14, 1908, midnight. As of 2025-12-31, the bank reported total assets of $335M and total deposits of $273M. Profitability stands at 0.59% ROA and 5.57% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 8.52%. Asset quality metrics show a non-performing loan ratio of 1.43% and a Texas Ratio of 12.30%. FDIC Certificate #8761.

Assets

$335M

Deposits

$273M

Loans

$228M

Equity

$36M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 5.57%
Net Interest Margin (NIM) 3.17%
Yield on Assets 5.23%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 1.43%
Net Charge-Off Ratio 0.33%
Texas Ratio 12.30%
NPA Ratio 1.41%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 8.52%
Tier 1 Capital 8.52%
Total Capital Ratio 8.94%
Leverage Ratio 10.63%
Loan-to-Deposit 83.21%

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