Kendall Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits dropped 7.61 percentage points in Q2 2026, from 69.39% to 61.78%. It was the largest change from Q1 2026 among the key lines here. Kendall Bank has the 18th lowest return on assets of the 182 banks headquartered in Kansas, at 0.82% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Kendall Bank sits 0.44 points lower, at 0.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 10.40% |
| Tangible equity to tangible assets | 9.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.54% |
| Non-performing assets ratio | 2.97% |
| Net charge-off ratio | -0.38% |
| Texas ratio | 25.62% |
| Allowance for credit losses to loans | 2.30% |
| Reserve coverage of non-performing loans | 65.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 7.97% |
| Net interest margin | 4.74% |
| Efficiency ratio | 76.90% |
| Yield on earning assets | 6.81% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.85% |
| Core deposits to total deposits | 61.78% |
| Brokered deposits to total deposits | 33.95% |
| Deposits to assets | 88.51% |
| Securities to assets | 3.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.19% | 0.73% | 4.46% | 0.52% | 0.00% |
| Q4 2023 | 10.17% | 0.62% | 4.35% | 0.00% | 0.32% |
| Q1 2024 | 10.04% | 0.48% | 4.32% | 0.71% | 0.00% |
| Q2 2024 | 9.67% | 0.76% | 4.69% | 0.00% | 0.00% |
| Q3 2024 | 9.68% | 0.76% | 4.80% | 0.71% | 0.00% |
| Q4 2024 | 9.79% | 0.87% | 4.73% | 2.27% | 0.00% |
| Q1 2025 | 9.71% | 3.06% | 4.64% | 2.78% | 0.00% |
| Q2 2025 | 9.32% | 1.24% | 5.00% | 3.04% | 0.00% |
| Q3 2025 | 7.84% | -6.33% | 4.47% | 2.48% | 2.42% |
| Q4 2025 | 9.15% | 4.97% | 4.91% | 2.45% | -0.45% |
| Q1 2026 | 9.40% | 0.72% | 4.72% | 3.11% | 0.00% |
| Q2 2026 | 9.65% | 0.82% | 4.74% | 3.54% | -0.38% |
Kendall Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kendall Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kendall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8110) · FFIEC NIC profile (RSSD 366854)