Bank Safety Analysis
Is State Bank & Trust of Kenmare Safe?
State Bank & Trust of Kenmare meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, return on assets rose 0.37 percentage points in Q2 2026 to 1.32%, the biggest move on this page. State Bank & Trust of Kenmare ranks 4th of 25 North Dakota banks on CET1 ratio, in the upper half at 16.93% (Q2 2026). State Bank & Trust of Kenmare reported 16.93% on CET1 ratio for Q2 2026, 1.86 points above the 15.07% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, State Bank & Trust of Kenmare's CET1 ratio ranged between 14.48% (Q4 2023) and 16.93% (Q2 2026) and its Texas ratio ranged between 4.82% (Q4 2025) and 55.21% (Q2 2024). Compared with Q2 2025, State Bank & Trust of Kenmare's CET1 ratio from 15.08% to 16.93%, noncurrent loans to total loans from 3.43% to 1.77%, Texas ratio from 26.15% to 15.50%, return on assets from 0.87% to 1.32% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 16.93% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.25% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.77% are elevated; merits closer attention.
Texas Ratio of 15.5% is well below the 100% historical failure threshold.
Efficiency ratio of 48.5% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 16.93% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 15.50% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.77% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 46.29% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 49.86% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 16.93% |
| Q1 2026 | 16.32% |
| Q4 2025 | 16.04% |
| Q3 2025 | 15.05% |
| Q2 2025 | 15.08% |
| Q1 2025 | 15.40% |
| Q4 2024 | 14.91% |
| Q3 2024 | 15.61% |
| Q2 2024 | 15.74% |
| Q1 2024 | 15.56% |
| Q4 2023 | 14.48% |
| Q3 2023 | 15.97% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 15.50% |
| Q1 2026 | 10.58% |
| Q4 2025 | 4.82% |
| Q3 2025 | 26.65% |
| Q2 2025 | 26.15% |
| Q1 2025 | 29.23% |
| Q4 2024 | 37.44% |
| Q3 2024 | 35.47% |
| Q2 2024 | 55.21% |
| Q1 2024 | 35.38% |
| Q4 2023 | 34.76% |
| Q3 2023 | 46.66% |
State Bank & Trust of Kenmare by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 16.93% | 1.77% | 15.50% | 1.32% |
| Mar 31, 2026 | 16.32% | 1.76% | 10.58% | 0.95% |
| Dec 31, 2025 | 16.04% | 0.79% | 4.82% | 0.32% |
| Sep 30, 2025 | 15.05% | 4.00% | 26.65% | 0.86% |
| Jun 30, 2025 | 15.08% | 3.43% | 26.15% | 0.87% |
| Mar 31, 2025 | 15.40% | 3.61% | 29.23% | 0.69% |
| Dec 31, 2024 | 14.91% | 4.52% | 37.44% | -0.36% |
| Sep 30, 2024 | 15.61% | 4.40% | 35.47% | 1.09% |
| Jun 30, 2024 | 15.74% | 4.81% | 55.21% | 0.45% |
| Mar 31, 2024 | 15.56% | 4.69% | 35.38% | 0.56% |
| Dec 31, 2023 | 14.48% | 4.60% | 34.76% | -0.51% |
| Sep 30, 2023 | 15.97% | 4.52% | 46.66% | -0.14% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is State Bank & Trust of Kenmare FDIC insured?
Yes. State Bank & Trust of Kenmare is an FDIC-insured commercial bank (FDIC Certificate #2057). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is State Bank & Trust of Kenmare well capitalized?
Yes. State Bank & Trust of Kenmare reports a CET1 Ratio of 16.93%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is State Bank & Trust of Kenmare's nonperforming loan ratio?
As of the most recent call report, State Bank & Trust of Kenmare's nonperforming loan ratio is 1.77%. Nonperforming loans at 1.77% are elevated; merits closer attention.
What is State Bank & Trust of Kenmare's Texas Ratio?
State Bank & Trust of Kenmare's Texas Ratio is 15.50%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 2057) · FFIEC NIC profile (RSSD 675659)
Explore: Full State Bank & Trust of Kenmare profile · Other banks in ND · Metric glossary · How the call report works