Kennett Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
Kennett Trust Bank is an FDIC-insured commercial bank headquartered in Kennett, MO, established in 1963 (FDIC certificate 18879), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $122.1M, down 7.4% from Q2 2025, the 163rd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.35% 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
- 18879
- Headquarters
- Kennett, MO
- Established
- 1963
- Total assets, Q2 2026
- $122.1M
- Assets vs Q2 2025
- -7.4%
- Tier 1 leverage ratio, Q2 2026
- 11.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081501023
- Holding company
- KENNETT BANCSHARES, INC.
- Asset rank in state
- 163rd of 191 in Missouri
Problem loans are rising at Kennett Trust Bank. Its balance sheet stood at $122 million at June 30, 2026, down 7.4% from a year earlier; it is based in Kennett, Missouri. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.65% of loans from 1.91% a year earlier. It carries problem assets equal to 19.1% of the capital and reserves that would absorb them, 7.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 11.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Earnings fell sharply: quarterly net income of $148,000 was 72% below a year earlier. Its $19 million commercial and industrial book is improving, with 1.25% past due or on nonaccrual, down from 8.14% a year earlier. Its margin is thin by comparison: it keeps 3.04 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Kennett Trust Bank reported a return on assets of 0.48%, a nonperforming-loan ratio of 2.65% and a Texas ratio of 19.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Kennett Trust Bank is the 163rd largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 3.7% to $122.1M, loans fell 2.1% and deposits fell 11.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 53.1% of total loans, ahead of commercial and industrial loans at 24.3%. Its one office in the FDIC Summary of Deposits is in Kennett, MO. On its Q2 2026 call report, Kennett Trust Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 917 1st St, Kennett, MO 63857
- County
- Dunklin
- Metro Area
- Kennett, MO
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 7, 1963
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $97.3M
- Allowance for credit losses
- $477K
- Net charge-offs (YTD)
- $217K
- Average total assets
- $122.4M
- Average total loans
- $76.5M
- Average interest-bearing deposits
- $90.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 7, 1963
- FDIC Cert
- 18879
- Fed RSSD
- 795959
- Parent Holding Company
- KENNETT BANCSHARES, INC. (RSSD 1136308)
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, Kennett Trust Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Kennett Trust Bank's total assets ran between $122.1M (Q2 2026) and $136.9M (Q4 2024), 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
$122.1M total assets against $131.9M; $109.7M total liabilities against $119.5M.
$76.5M net loans and leases against $77.9M; $97.3M total deposits against $110.3M.
$31.8M securities against $34.9M; $1.8M cash and balances due against $5.6M.
$1.4M total interest income against $1.7M; $539K total interest expense against $631K.
$830K net interest income against $1.1M.
$258K total noninterest income against $242K; $914K total noninterest expense against $610K.
$21K provision for credit losses against $0.
$148K net income against $536K.
0.48% return on assets against 1.61%; 3.04% net interest margin against 3.79%.
11.35% tier 1 leverage ratio against 10.86%.
Inside the full Kennett Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKennett Trust Bank rankings
Its closest position to the top of a national ranking is 190 of 3,640, for Texas Ratio; its furthest is 3,315 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.87% (Q4 2025) to 1.61% (Q2 2025) and its net interest margin ran from 3.04% (Q2 2026) to 3.79% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.35% | 0.48% | 2.65% | 19.11% | 3.04% |
| Q1 2026 | 10.87% | 0.58% | 4.99% | 19.17% | 3.27% |
| Q4 2025 | 10.67% | -1.87% | 4.39% | 26.90% | 3.47% |
| Q3 2025 | 11.25% | 0.63% | 3.90% | 22.75% | 3.26% |
| Q2 2025 | 10.86% | 1.61% | 1.91% | 11.67% | 3.79% |
| Q1 2025 | 10.82% | 0.53% | 1.76% | 11.15% | 3.27% |
| Q4 2024 | 10.75% | 0.57% | 2.42% | 15.48% | 3.30% |
| Q3 2024 | 10.74% | 0.57% | 2.38% | 14.30% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Kennett Trust Bank (main office) | Kennett , MO | 63857 | $97.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 9, 2003, OCC: Formal Agreement: Kennett National Bank
- Period: Most recent institution action October 9, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 198 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $800K approved, $800K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Kennett Trust Bank
What are Kennett Trust Bank's total assets?
As of the Q2 2026 filing, Kennett Trust Bank reported total assets of $122.1 million in its FFIEC call report.
Where is Kennett Trust Bank headquartered?
It is headquartered in Kennett, MO, United States.
When was Kennett Trust Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Kennett Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kennett Trust Bank?
Kennett Trust Bank's primary federal regulator is the FDIC.
How many branches does Kennett Trust Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kennett Trust Bank's Texas Ratio?
Its Texas Ratio is 19.11% 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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