Kerndt Brothers Savings 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: 6.94 percentage points higher than in Q1 2026, at 60.43%. Within Iowa, Kerndt Brothers Savings Bank is 104th of 225 on return on assets, 1.45% as of Q2 2026, above the middle of the field. Kerndt Brothers Savings Bank reported 1.45% on return on assets for Q2 2026, 0.19 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.88% |
| Equity capital to assets | 10.88% |
| Tangible equity to tangible assets | 9.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.30% |
| Non-performing assets ratio | 1.36% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.93% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 60.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 13.47% |
| Net interest margin | 3.68% |
| Efficiency ratio | 60.49% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.50% |
| Core deposits to total deposits | 92.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.46% |
| Securities to assets | 29.14% |
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 | 8.84% | 0.18% | 2.33% | 0.32% | 0.07% |
| Q4 2023 | 9.02% | 0.29% | 2.54% | 0.06% | 0.36% |
| Q1 2024 | 9.06% | 0.24% | 2.63% | 0.82% | -0.14% |
| Q2 2024 | 9.44% | 0.64% | 2.72% | 0.87% | 0.27% |
| Q3 2024 | 9.71% | 0.50% | 2.75% | 1.44% | 0.56% |
| Q4 2024 | 9.74% | 0.77% | 2.65% | 2.23% | 0.00% |
| Q1 2025 | 10.12% | 0.14% | 3.12% | 1.11% | 1.68% |
| Q2 2025 | 10.41% | 0.53% | 3.15% | 1.13% | 0.01% |
| Q3 2025 | 10.61% | 0.38% | 3.03% | 1.39% | -0.00% |
| Q4 2025 | 10.63% | 0.59% | 3.18% | 1.96% | -0.43% |
| Q1 2026 | 10.85% | 3.54% | 3.35% | 2.39% | 0.00% |
| Q2 2026 | 10.88% | 1.45% | 3.68% | 2.30% | 0.00% |
Kerndt Brothers Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kerndt Brothers Savings 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 Kerndt Brothers Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8761) · FFIEC NIC profile (RSSD 665146)