Kinmundy 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: 19.67 percentage points lower than in Q1 2026, at 240.72%. On return on assets, Kinmundy Bank ranks 22nd highest among the 323 banks headquartered in Illinois, at 2.15% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Kinmundy Bank reported 2.15% on return on assets in Q2 2026, 1.17 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.50% |
| Tier 1 risk-based capital ratio | 21.50% |
| Total risk-based capital ratio | 22.36% |
| Tier 1 leverage ratio | 13.04% |
| Equity capital to assets | 13.64% |
| Tangible equity to tangible assets | 12.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.42% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 240.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 15.72% |
| Net interest margin | 4.52% |
| Efficiency ratio | 37.78% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.72% |
| Core deposits to total deposits | 96.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.18% |
| Securities to assets | 24.00% |
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 | 18.65% | 18.65% | 19.59% | 12.01% | 2.22% |
| Q4 2023 | 18.18% | 18.18% | 19.12% | 11.86% | 1.57% |
| Q1 2024 | 18.48% | 18.48% | 19.41% | 12.30% | 1.73% |
| Q2 2024 | 19.00% | 19.00% | 19.93% | 12.71% | 1.97% |
| Q3 2024 | 19.63% | 19.63% | 20.55% | 12.84% | 2.14% |
| Q4 2024 | 19.36% | 19.36% | 20.28% | 12.55% | 1.42% |
| Q1 2025 | 20.41% | 20.41% | 21.32% | 12.77% | 2.52% |
| Q2 2025 | 20.42% | 20.42% | 21.34% | 13.00% | 2.22% |
| Q3 2025 | 20.84% | 20.84% | 21.70% | 13.24% | 2.81% |
| Q4 2025 | 21.13% | 21.13% | 22.03% | 12.83% | 2.08% |
| Q1 2026 | 21.91% | 21.91% | 22.81% | 12.93% | 2.06% |
| Q2 2026 | 21.50% | 21.50% | 22.36% | 13.04% | 2.15% |
Kinmundy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kinmundy 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 Kinmundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3805) · FFIEC NIC profile (RSSD 489249)