Kensington 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 146.92 percentage points higher than in Q1 2026, at 222.53%. Within Minnesota, Kensington Bank is 136th of 221 on return on assets, 1.21% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Kensington Bank sits 0.04 points lower, at 1.21% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.34% |
| Tier 1 leverage ratio | 9.90% |
| Equity capital to assets | 9.98% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 1.21% |
| Texas ratio | 4.60% |
| Allowance for credit losses to loans | 0.71% |
| Reserve coverage of non-performing loans | 222.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 12.46% |
| Net interest margin | 4.35% |
| Efficiency ratio | 49.58% |
| Yield on earning assets | 6.16% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.34% |
| Core deposits to total deposits | 93.41% |
| Brokered deposits to total deposits | 1.33% |
| Deposits to assets | 84.22% |
| Securities to assets | 13.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.93% | 9.93% | 10.55% | 8.98% | 0.79% |
| Q4 2023 | 9.86% | 9.86% | 10.41% | 8.90% | 0.73% |
| Q1 2024 | 10.10% | 10.10% | 10.69% | 8.75% | 0.74% |
| Q2 2024 | 10.31% | 10.31% | 10.88% | 8.87% | 0.90% |
| Q3 2024 | 10.52% | 10.52% | 11.11% | 8.85% | 1.09% |
| Q4 2024 | 10.70% | 10.70% | 11.29% | 8.66% | 0.88% |
| Q1 2025 | 10.64% | 10.64% | 11.26% | 9.02% | 0.96% |
| Q2 2025 | 10.60% | 10.60% | 11.31% | 9.12% | 0.96% |
| Q3 2025 | 10.99% | 10.99% | 11.76% | 9.29% | 1.13% |
| Q4 2025 | 10.70% | 10.70% | 11.38% | 8.94% | 0.84% |
| Q1 2026 | 11.03% | 11.03% | 11.83% | 9.52% | 1.37% |
| Q2 2026 | 11.61% | 11.61% | 12.34% | 9.90% | 1.21% |
Kensington Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kensington 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 Kensington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1409) · FFIEC NIC profile (RSSD 58757)