KEEN BANK, NATIONAL ASSOCIATION

WASECA, MN | Small | Est. Dec. 18, 1902, midnight | FDIC #5270 | RSSD #837354 | OCC
Latest Report: 2025-12-31

KEEN BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in WASECA, MN, established in Dec. 18, 1902, midnight. As of 2025-12-31, the bank reported total assets of $199M and total deposits of $180M. Profitability stands at 1.49% ROA and 18.08% ROE, with a net interest margin of 5.27%. The bank's CET1 capital ratio is 11.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5270.

Assets

$199M

Deposits

$180M

Loans

$147M

Equity

$16M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 18.08%
Net Interest Margin (NIM) 5.27%
Yield on Assets 6.81%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 11.88%
Tier 1 Capital 11.88%
Total Capital Ratio 13.13%
Leverage Ratio 8.22%
Loan-to-Deposit 81.32%

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