Kish Bank
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Data as of · sourced from FFIEC call reports. How we update
Kish Bank is an FDIC-insured commercial bank headquartered in Belleville, PA, established in 1927 (FDIC certificate 14969), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.08B, up 13.7% from Q2 2025, the 28th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 10.08% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14969
- Headquarters
- Belleville, PA
- Established
- 1927
- Total assets, Q2 2026
- $2.08B
- Assets vs Q2 2025
- +13.7%
- CET1 ratio, Q2 2026
- 10.08%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 031310552
- Holding company
- KISH BANCORP, INC.
- Asset rank in state
- 28th of 109 in Pennsylvania
Problem loans are rising at Kish Bank. Based in Belleville, Pennsylvania, it had $2.1 billion in assets at June 30, 2026, up 13.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.03% a year earlier. It holds common equity equal to 10.08% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds commercial real estate loans worth 4.1 times its capital, about double the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $6.1 million, 40% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Kish Bank reported a CET1 capital ratio of 10.08%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 5.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Kish Bank is the 28th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets rose 5.2% to $2.08B, loans rose 4.0% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.5% of total loans, followed by non-owner-occupied commercial real estate loans at 18.2%. Its 17 offices in the FDIC Summary of Deposits are in 12 cities in PA; its State College 3 offices book 33% of its branch deposits. Judged on its Q2 2026 call report, Kish Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4255 E Main St, Belleville, PA 17004
- County
- Mifflin
- Metro Area
- Lewistown, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1927
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 285
- Domestic deposits
- $1.52B
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $248K
- Average total assets
- $2.03B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.29B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14969
- Fed RSSD
- 600419
- SEC CIK
- 803742 → filed by KISH BANCORP, INC.
- Website
- www.mykish.com →
- Parent Holding Company
- KISH BANCORP, INC. (RSSD 1141889) · KISB
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, Kish Bank's total assets ran between $1.47B (Q3 2023) and $2.08B (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
$2.08B total assets against $1.83B; $1.91B total liabilities against $1.68B.
$1.77B net loans and leases against $1.55B; $1.52B total deposits against $1.36B.
$199.4M securities against $166.4M; $16.4M cash and balances due against $21.1M.
$28.6M total interest income against $25.8M; $11.2M total interest expense against $11.1M.
$17.4M net interest income against $14.7M.
$3.4M total noninterest income against $3.0M; $12.7M total noninterest expense against $12.0M.
$982K provision for credit losses against $471K.
$6.1M net income against $4.4M.
1.20% return on assets against 0.97%; 3.59% net interest margin against 3.44%.
10.08% CET1 capital ratio against 9.84%; 8.92% tier 1 leverage ratio against 8.91%.
Inside the full Kish Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Kish Bank rankings
Its closest position to the top of a national ranking is 578 of 4,196, for total assets; its furthest is 2,091 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q1 2025) to 1.24% (Q4 2025) and its net interest margin ran from 3.31% (Q1 2025) to 3.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.08% | 1.20% | 0.57% | 5.52% | 3.59% |
| Q1 2026 | 10.21% | 1.15% | 0.60% | 5.72% | 3.48% |
| Q4 2025 | 9.84% | 1.24% | 0.04% | 0.36% | 3.54% |
| Q3 2025 | 9.79% | 1.20% | 0.04% | 0.34% | 3.55% |
| Q2 2025 | 9.84% | 0.97% | 0.03% | 0.30% | 3.44% |
| Q1 2025 | 9.84% | 0.95% | 0.04% | 0.36% | 3.31% |
| Q4 2024 | 9.94% | 1.10% | 0.05% | 0.46% | 3.34% |
| Q3 2024 | 9.95% | 1.10% | 0.06% | 0.51% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 |
|---|---|---|---|
| State College North Branch | State College , PA | 16803 | $304.8M |
| Huntingdon Financial Center Branch | Huntingdon , PA | 16652 | $202.0M |
| State College Branch | State College , PA | 16801 | $190.4M |
| Reedsville Financial Center Branch | Reedsville , PA | 17084 | $143.9M |
| Kish Bank (main office) | Belleville , PA | 17004 | $125.1M |
| Lewistown Division Branch | Lewistown , PA | 17044 | $114.5M |
| Lewistown Financial Center Branch | Lewistown , PA | 17044 | $90.0M |
| Pleasant Valley Blvd Branch | Altoona , PA | 16601 | $88.7M |
| Bellefonte Branch | Bellefonte , PA | 16823 | $80.0M |
| Mcveytown Branch | Mcveytown , PA | 17051 | $57.5M |
| Route 35 Branch | Mifflintown , PA | 17059 | $53.6M |
| Mifflintown Branch | Mifflintown , PA | 17059 | $32.1M |
| Mill Creek Branch | Mill Creek , PA | 17060 | $13.4M |
| Mcalevy's Fort Branch | Petersburg , PA | 16669 | $11.9M |
| Allensville Branch | Allensville , PA | 17002 | $7.1M |
| Pine Grove Mills Branch | State College , PA | 16801 | $2.9M |
| Kish Innovation Branch | Reedsville , PA | 17084 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 17, 2011, OCC: Formal Agreement: The Kishacoquillas Valley National Bank of Belleville
- Period: Most recent institution action February 17, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in PA, rank 44 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 901 applications, 774 loans originated, $220.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $572K approved, $572K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Kish Bank
What are Kish Bank's total assets?
As of the Q2 2026 filing, Kish Bank reported total assets of $2.08 billion in its FFIEC call report.
Where is Kish Bank headquartered?
It is headquartered in Belleville, PA, United States.
When was Kish Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Kish Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kish Bank?
Kish Bank's primary federal regulator is the FDIC.
What is Kish Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.08% in its Q2 2026 call report, above regulatory requirements.
How many branches does Kish Bank operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kish Bank's Texas Ratio?
Its Texas Ratio is 5.52% 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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