Kentland Bank
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Data as of · sourced from FFIEC call reports. How we update
Kentland Bank is an FDIC-insured commercial bank headquartered in Kentland, IN, established in 1932 (FDIC certificate 13843), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $419.4M, up 6.8% from Q2 2025, the 48th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.54% 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
- 13843
- Headquarters
- Kentland, IN
- Established
- 1932
- Total assets, Q2 2026
- $419.4M
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 12.54%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 074912784
- Latest call report
- Q2 2026, FFIEC 051 · Kentland Bank call report
- Holding company
- KENBANCORP
- Asset rank in state
- 48th of 87 in Indiana
Kentland Bank runs leaner than most banks of its size. It reported $419 million in assets at June 30, 2026, up 6.8% from a year earlier. It spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it carries problem assets equal to 12.3% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.8 million, 31% above the same quarter a year earlier. Over the same year, loans grew 11.9% and deposits grew 4.2%. One more trend to watch: the commercial and industrial book ($35 million) is worsening: 2.24% of it is past due or on nonaccrual, up from 0.33% a year earlier.
As of June 30, 2026, Kentland Bank reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 12.30%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Kentland Bank is the 48th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.3% to $419.4M, loans rose 6.9% and deposits rose 3.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 23.5% of total loans, ahead of farmland and other real estate loans at 19.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IN; its Kentland office books 46% of its branch deposits. On its Q2 2026 call report, Kentland Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 N 4th St, Kentland, IN 47951
- County
- Newton
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 19, 1932
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $321.9M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $407.9M
- Average total loans
- $276.8M
- Average interest-bearing deposits
- $239.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 6, 1934
- FDIC Cert
- 13843
- Fed RSSD
- 367543
- Website
- www.kentlandbank.com →
- Parent Holding Company
- KENBANCORP (RSSD 1206050)
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, Kentland 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, Kentland Bank's total assets ran between $347.6M (Q3 2023) and $419.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$419.4M total assets against $392.8M; $372.4M total liabilities against $349.6M.
$282.9M net loans and leases against $253.5M; $321.9M total deposits against $308.8M.
$98.3M securities against $104.5M; $7.1M cash and balances due against $8.4M.
$6.2M total interest income against $5.6M; $1.8M total interest expense against $1.8M.
$4.4M net interest income against $3.8M.
$309K total noninterest income against $303K; $2.2M total noninterest expense against $2.3M.
$309K provision for credit losses against $156K.
$1.8M net income against $1.3M.
1.72% return on assets against 1.37%; 4.62% net interest margin against 4.15%.
12.54% tier 1 leverage ratio against 12.65%.
Inside the full Kentland Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKentland Bank rankings
Its closest position to the top of a national ranking is 458 of 3,640, for Texas Ratio; its furthest is 1,992 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q4 2024) to 1.72% (Q2 2026) and its net interest margin ran from 3.89% (Q4 2024) to 4.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.54% | 1.72% | 0.56% | 12.30% | 4.62% |
| Q1 2026 | 12.08% | 1.35% | 0.58% | 12.91% | 4.32% |
| Q4 2025 | 11.75% | 1.25% | 2.13% | 13.02% | 4.33% |
| Q3 2025 | 12.46% | 1.28% | 0.71% | 4.84% | 4.41% |
| Q2 2025 | 12.65% | 1.37% | 0.69% | 4.91% | 4.15% |
| Q1 2025 | 12.39% | 1.16% | 0.74% | 5.34% | 3.96% |
| Q4 2024 | 12.15% | 1.04% | 1.52% | 9.30% | 3.89% |
| Q3 2024 | 12.79% | 1.23% | 1.56% | 9.19% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Kentland Bank (main office) | Kentland , IN | 47951 | $147.8M |
| Rensselaer Branch | Rensselaer , IN | 47978 | $54.7M |
| Roselawn Branch | Roselawn , IN | 46372 | $51.4M |
| Lake Village Branch | Lake Village , IN | 46349 | $38.7M |
| Lafayette Branch | Lafayette , IN | 47905 | $29.2M |
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 |
|---|---|---|---|
| July 11, 2026 | Structure Change | Acquired Kentland Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 10, 2026 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 72 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 40 loans originated, $7.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Kentland Bank
What are Kentland Bank's total assets?
As of the Q2 2026 filing, Kentland Bank reported total assets of $419.4 million in its FFIEC call report.
Where is Kentland Bank headquartered?
It is headquartered in Kentland, IN, United States.
When was Kentland Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Kentland Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kentland Bank?
Kentland Bank's primary federal regulator is the FDIC.
How many branches does Kentland Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kentland Bank's Texas Ratio?
Its Texas Ratio is 12.30% 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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