State Bank & Trust of Kenmare: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Loans 90+ days past due to loans climbed 1.07 percentage points in Q2 2026, from 0.00% to 1.07%. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $1.5M |
| Modified loans to total loans | 1.75% |
| Non-performing assets excluding restructured loans, to assets | 0.01% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 1.77% |
| Nonaccrual loans to loans | 0.02% |
| Loans 90+ days past due to loans | 1.07% |
| Net charge-off ratio | -0.01% |
| Allowance for credit losses to loans | 1.11% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 4.48% | 4.52% | -0.09% |
| Q4 2023 | 4.60% | 4.60% | -0.02% |
| Q1 2024 | 4.69% | 4.69% | -0.09% |
| Q2 2024 | 4.81% | 4.81% | -0.02% |
| Q3 2024 | 4.40% | 4.40% | 0.01% |
| Q4 2024 | 4.52% | 4.52% | -0.02% |
| Q1 2025 | 3.61% | 3.61% | -0.08% |
| Q2 2025 | 3.43% | 3.43% | -0.01% |
| Q3 2025 | 4.00% | 4.00% | 0.02% |
| Q4 2025 | 0.76% | 0.79% | 0.01% |
| Q1 2026 | 1.74% | 1.76% | -0.07% |
| Q2 2026 | 1.75% | 1.77% | -0.01% |
State Bank & Trust of Kenmare loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust of Kenmare, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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 State Bank & Trust of Kenmare profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2057) · FFIEC NIC profile (RSSD 675659)