Kindred State Bank
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Data as of · sourced from FFIEC call reports. How we update
Kindred State Bank is an FDIC-insured commercial bank headquartered in Kindred, ND, established in 1898 (FDIC certificate 8946), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $43.3M, down 0.5% from Q2 2025, the 59th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 16.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8946
- Headquarters
- Kindred, ND
- Established
- 1898
- Total assets, Q2 2026
- $43.3M
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 16.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091306315
- Asset rank in state
- 59th of 60 in North Dakota
Kindred State Bank operates with a thinner capital cushion than most banks of its size. The Kindred, North Dakota bank had $43 million in assets at June 30, 2026. It funds 8.35% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it returns 14.7% a year on shareholders' equity, higher than about three-quarters of banks its size (median 8.6%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.13% of loans from 0.45%. Its $3.9 million commercial and industrial book is now fully current, after 1.07% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Kindred State Bank reported a CET1 capital ratio of 16.33%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.73%. The figures come from its call report filed with the FFIEC.
Kindred State Bank ranks as the 59th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 8.1% to $43.3M, loans rose 2.6% and deposits fell 9.2%. Agricultural production loans made up 27.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.4%. Its one office in the FDIC Summary of Deposits is in Kindred, ND. By the capital ratios in its Q2 2026 call report, Kindred State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 411 Elm St, Kindred, ND 58051
- County
- Cass
- Metro Area
- Fargo, ND-MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 1, 1898
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $39.4M
- Allowance for credit losses
- $148K
- Net charge-offs (YTD)
- $26K
- Average total assets
- $45.9M
- Average total loans
- $22.3M
- Average interest-bearing deposits
- $32.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8946
- Fed RSSD
- 816751
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Kindred State Bank's total assets ran between $37.9M (Q3 2024) and $48.8M (Q1 2025), 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
$43.3M total assets against $43.5M; $39.5M total liabilities against $40.0M.
$22.3M net loans and leases against $21.9M; $39.4M total deposits against $39.9M.
$6.5M securities against $7.3M; $13.8M cash and balances due against $13.6M.
$543K total interest income against $503K; $113K total interest expense against $120K.
$430K net interest income against $383K.
$18K total noninterest income against $30K; $294K total noninterest expense against $278K.
$16K provision for credit losses against $9K.
$138K net income against $126K.
1.20% return on assets against 1.14%; 3.88% net interest margin against 3.60%.
16.33% CET1 capital ratio against 15.88%; 8.35% tier 1 leverage ratio against 8.04%.
Inside the full Kindred State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.59% (Q1 2025) to 1.95% (Q3 2025) and its net interest margin ran from 3.55% (Q1 2025) to 3.91% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.33% | 1.20% | 0.13% | 0.73% | 3.88% |
| Q1 2026 | 15.33% | 1.44% | 0.20% | 1.12% | 3.75% |
| Q4 2025 | 15.99% | 1.72% | 0.23% | 1.21% | 3.65% |
| Q3 2025 | 16.83% | 1.95% | 0.61% | 3.45% | 3.60% |
| Q2 2025 | 15.88% | 1.14% | 0.45% | 2.66% | 3.60% |
| Q1 2025 | 15.49% | 0.59% | 0.46% | 2.76% | 3.55% |
| Q4 2024 | 16.16% | 1.74% | 0.13% | 0.75% | 3.83% |
| Q3 2024 | 16.19% | 1.91% | 0.31% | 1.90% | 3.91% |
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 |
|---|---|---|---|
| Kindred State Bank (main office) | Kindred , ND | 58051 | $39.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in ND, rank 67 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $107K approved, $107K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Kindred State Bank
What are Kindred State Bank's total assets?
As of the Q2 2026 filing, Kindred State Bank reported total assets of $43.3 million in its FFIEC call report.
Where is Kindred State Bank headquartered?
It is headquartered in Kindred, ND, United States.
When was Kindred State Bank founded?
It was established in 1898, per the FDIC institution directory.
Is Kindred State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kindred State Bank?
Kindred State Bank's primary federal regulator is the FDIC.
What is Kindred State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kindred State 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 Kindred State Bank's Texas Ratio?
Its Texas Ratio is 0.73% 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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