BanksSTATE BANK & TRUST OF KENMARE

STATE BANK & TRUST OF KENMARE

KENMARE, NDSmallEst. Jan. 1, 1925, midnightFDIC #2057RSSD #675659FDIC
Latest · 2025-12-31

STATE BANK & TRUST OF KENMARE is an 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%. CET1 capital ratio: 16.04%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.18%. Operates 3 domestic branches.

Assets
$191M
Deposits
$174M
Loans
$88M
Equity
$14M

Profitability

Return on Assets (ROA)0.32%
Return on Equity (ROE)4.56%
Net Interest Margin2.74%
Yield on Assets4.82%
Cost of Funds2.06%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio-0.01%
Texas Ratio0.18%
NPA Ratio0.01%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio16.04%
Tier 1 Capital16.04%
Total Capital Ratio16.88%
Leverage Ratio9.16%
Loan-to-Deposit50.51%

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