KEARNEY TRUST COMPANY

KEARNEY, MO | Small | Est. June 10, 1882, midnight | FDIC #9794 | RSSD #814551 | FDIC
Latest Report: 2025-12-31

KEARNEY TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in KEARNEY, MO, established in June 10, 1882, midnight. As of 2025-12-31, the bank reported total assets of $316M and total deposits of $279M. Profitability stands at 1.32% ROA and 12.42% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 19.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.70% and a Texas Ratio of 3.25%. FDIC Certificate #9794.

Assets

$316M

Deposits

$279M

Loans

$171M

Equity

$34M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 12.42%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.70%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.70%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.25%
NPA Ratio 0.38%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 19.41%
Tier 1 Capital 19.41%
Total Capital Ratio 20.67%
Leverage Ratio 11.17%
Loan-to-Deposit 61.22%

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