STATE BANK & TRUST OF KENMARE

KENMARE, ND | Small | Est. Jan. 1, 1925, midnight | FDIC #2057 | RSSD #675659 | FDIC
Latest Report: 2025-12-31

STATE BANK & TRUST OF KENMARE is asn small FDIC-insured commercial bank headquartered in KENMARE, ND, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $191M and total deposits of $174M. Profitability stands at 0.32% ROA and 4.56% ROE, with a net interest margin of 2.74%. The bank's CET1 capital ratio is 16.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.18%. FDIC Certificate #2057.

Assets

$191M

Deposits

$174M

Loans

$88M

Equity

$14M

Profitability

Return on Assets (ROA) 0.32%
Return on Equity (ROE) 4.56%
Net Interest Margin (NIM) 2.74%
Yield on Assets 4.82%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.18%
NPA Ratio 0.01%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 16.04%
Tier 1 Capital 16.04%
Total Capital Ratio 16.88%
Leverage Ratio 9.16%
Loan-to-Deposit 50.51%

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