Kindred State 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: 124.63 percentage points higher than in Q1 2026, at 510.34%. Within North Dakota, Kindred State Bank is 40th of 60 on return on assets, 1.20% as of Q2 2026. The median for banks in the < $100M asset tier is 1.00% on return on assets. Kindred State Bank sits 0.20 points higher, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.33% |
| Tier 1 risk-based capital ratio | 16.33% |
| Total risk-based capital ratio | 17.04% |
| Tier 1 leverage ratio | 8.35% |
| Equity capital to assets | 8.83% |
| Tangible equity to tangible assets | 8.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 0.73% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 510.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 14.69% |
| Net interest margin | 3.88% |
| Efficiency ratio | 65.31% |
| Yield on earning assets | 4.89% |
| Cost of funds | 1.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.02% |
| Core deposits to total deposits | 97.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.94% |
| Securities to assets | 15.07% |
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 | 16.96% | 16.96% | 17.82% | 8.21% | 1.22% |
| Q4 2023 | 16.66% | 16.66% | 17.45% | 8.36% | 0.93% |
| Q1 2024 | 14.59% | 14.59% | 15.31% | 7.69% | 1.25% |
| Q2 2024 | 15.26% | 15.26% | 16.02% | 8.23% | 1.13% |
| Q3 2024 | 16.19% | 16.19% | 16.84% | 9.14% | 1.91% |
| Q4 2024 | 16.16% | 16.16% | 16.74% | 8.92% | 1.74% |
| Q1 2025 | 15.49% | 15.49% | 16.39% | 7.78% | 0.59% |
| Q2 2025 | 15.88% | 15.88% | 16.81% | 8.04% | 1.14% |
| Q3 2025 | 16.83% | 16.83% | 17.62% | 9.18% | 1.95% |
| Q4 2025 | 15.99% | 15.99% | 16.70% | 9.55% | 1.72% |
| Q1 2026 | 15.33% | 15.33% | 16.00% | 8.48% | 1.44% |
| Q2 2026 | 16.33% | 16.33% | 17.04% | 8.35% | 1.20% |
Kindred State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kindred State 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 Kindred State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8946) · FFIEC NIC profile (RSSD 816751)