KINDRED STATE BANK

KINDRED, ND | Micro | Est. Dec. 1, 1898, midnight | FDIC #8946 | RSSD #816751 | FDIC
Latest Report: 2025-12-31

KINDRED STATE BANK is amn micro FDIC-insured commercial bank headquartered in KINDRED, ND, established in Dec. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $43M and total deposits of $39M. Profitability stands at 1.74% ROA and 18.34% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 15.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.44%. FDIC Certificate #8946.

Assets

$43M

Deposits

$39M

Loans

$22M

Equity

$4M

Profitability

Return on Assets (ROA) 1.74%
Return on Equity (ROE) 18.34%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.21%
Cost of Funds 2.90%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.44%
NPA Ratio 0.04%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 15.99%
Tier 1 Capital 15.99%
Total Capital Ratio 16.70%
Leverage Ratio 9.55%
Loan-to-Deposit 55.73%

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