Kendall Bank
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Data as of · sourced from FFIEC call reports. How we update
Kendall Bank is an FDIC-insured commercial bank headquartered in Overland Park, KS, established in 1927 (FDIC certificate 8110), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $211.1M, up 0.4% from Q2 2025, the 90th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8110
- Headquarters
- Overland Park, KS
- Established
- 1927
- Total assets, Q2 2026
- $211.1M
- Assets vs Q2 2025
- +0.4%
- Tier 1 leverage ratio, Q2 2026
- 9.65%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101103660
- Holding company
- NORTHEAST KANSAS BANCSHARES, INC.
- Asset rank in state
- 90th of 182 in Kansas
Problem loans are rising at Kendall Bank. It reported $211 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.54% of loans from 3.04% a year earlier. It carries problem assets equal to 25.6% of the capital and reserves that would absorb them, 9.7 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.74 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings fell sharply: quarterly net income of $434,000 was 36% below a year earlier. Over the same year, loans grew 5.1% and deposits grew 0.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Kendall Bank reported a return on assets of 0.82%, a nonperforming-loan ratio of 3.54% and a Texas ratio of 25.62%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Kendall Bank is the 90th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $211.1M, loans fell 0.3% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 29.9% of total loans, followed by non-owner-occupied commercial real estate loans at 26.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in KS; its Overland Park office books 51% of its branch deposits. On its Q2 2026 call report, Kendall Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 11225 College Blvd, Overland Park, KS 66210
- County
- Johnson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 17, 1927
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $186.9M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- -$167K
- Average total assets
- $212.5M
- Average total loans
- $177.2M
- Average interest-bearing deposits
- $151.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8110
- Fed RSSD
- 366854
- SEC CIK
- 1914161 → filed by NORTHEAST KANSAS BANCSHARES, INC.
- Website
- www.kendallbank.com →
- Parent Holding Company
- NORTHEAST KANSAS BANCSHARES, INC. (RSSD 2562650)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Kendall Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Kendall Bank's total assets moved between a low of $134.6M (Q3 2023) and a high of $219.9M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$211.1M total assets against $210.2M; $189.2M total liabilities against $188.1M.
$173.2M net loans and leases against $165.9M; $186.9M total deposits against $185.7M.
$8.3M securities against $21.0M; $22.7M cash and balances due against $16.0M.
$3.5M total interest income against $3.9M; $1.1M total interest expense against $1.3M.
$2.4M net interest income against $2.7M.
$124K total noninterest income against $110K; $2.0M total noninterest expense against $1.9M.
$0 provision for credit losses against $10K.
$434K net income against $682K.
0.82% return on assets against 1.24%; 4.74% net interest margin against 5.00%.
9.65% tier 1 leverage ratio against 9.32%.
Inside the full Kendall Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Kendall Bank rankings
Its closest position to the top of a national ranking is 95 of 3,640, for Texas Ratio; its furthest is 3,131 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -6.33% (Q3 2025) to 4.97% (Q4 2025) and its net interest margin ran from 4.47% (Q3 2025) to 5.00% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 0.82% | 3.54% | 25.62% | 4.74% |
| Q1 2026 | 9.40% | 0.72% | 3.11% | 23.15% | 4.72% |
| Q4 2025 | 9.15% | 4.97% | 2.45% | 18.97% | 4.91% |
| Q3 2025 | 7.84% | -6.33% | 2.48% | 18.96% | 4.47% |
| Q2 2025 | 9.32% | 1.24% | 3.04% | 22.26% | 5.00% |
| Q1 2025 | 9.71% | 3.06% | 2.78% | 21.14% | 4.64% |
| Q4 2024 | 9.79% | 0.87% | 2.27% | 20.90% | 4.73% |
| Q3 2024 | 9.68% | 0.76% | 0.71% | 6.26% | 4.80% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kendall Bank (main office) | Overland Park , KS | 66210 | $94.5M |
| Spring Hill Branch | Spring Hill , KS | 66083 | $43.7M |
| Valley Falls Branch | Valley Falls , KS | 66088 | $42.4M |
| Nortonville Branch | Nortonville , KS | 66060 | $6.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 31, 2025 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 1986 | Structure Change | Acquired Bank of Nortonville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 26, 1965 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 107 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.2M approved, $601K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Kendall Bank
What are Kendall Bank's total assets?
As of the Q2 2026 filing, Kendall Bank reported total assets of $211.1 million in its FFIEC call report.
Where is Kendall Bank headquartered?
It is headquartered in Overland Park, KS, United States.
When was Kendall Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Kendall Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kendall Bank?
Kendall Bank's primary federal regulator is the FDIC.
How many branches does Kendall Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kendall Bank's Texas Ratio?
Its Texas Ratio is 25.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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