State Bank & Trust of Kenmare: 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 Return on equity: 4.95 percentage points higher than in Q1 2026, at 18.80%. Within North Dakota, State Bank & Trust of Kenmare is 36th of 60 on return on assets, 1.32% as of Q2 2026, below the middle of the field. State Bank & Trust of Kenmare reported 1.32% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.93% |
| Tier 1 risk-based capital ratio | 16.93% |
| Total risk-based capital ratio | 17.78% |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 7.31% |
| Tangible equity to tangible assets | 7.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.77% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 15.50% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 62.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 18.80% |
| Net interest margin | 2.87% |
| Efficiency ratio | 48.54% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.29% |
| Core deposits to total deposits | 81.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.91% |
| Securities to assets | 38.29% |
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 | 15.97% | 15.97% | 17.12% | 10.00% | -0.14% |
| Q4 2023 | 14.48% | 14.48% | 15.53% | 10.00% | -0.51% |
| Q1 2024 | 15.56% | 15.56% | 16.69% | 8.93% | 0.56% |
| Q2 2024 | 15.74% | 15.74% | 16.87% | 8.94% | 0.45% |
| Q3 2024 | 15.61% | 15.61% | 16.38% | 9.37% | 1.09% |
| Q4 2024 | 14.91% | 14.91% | 15.70% | 9.16% | -0.36% |
| Q1 2025 | 15.40% | 15.40% | 16.22% | 8.92% | 0.69% |
| Q2 2025 | 15.08% | 15.08% | 15.87% | 9.14% | 0.87% |
| Q3 2025 | 15.05% | 15.05% | 15.84% | 9.28% | 0.86% |
| Q4 2025 | 16.04% | 16.04% | 16.88% | 9.16% | 0.32% |
| Q1 2026 | 16.32% | 16.32% | 17.18% | 9.05% | 0.95% |
| Q2 2026 | 16.93% | 16.93% | 17.78% | 9.25% | 1.32% |
State Bank & Trust of Kenmare vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust of Kenmare, 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 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)