PackageTrendsPeer
Letter portraitLegal landscape

Kentland Bank

Kentland, IN · Cert 13843 · Kenbancorp

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kentland Bank

Kentland, IN · Cert 13843 · Kenbancorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$419.4MAssets
$287.7MLoans
$321.9MDeposits
$47.0MEquity
Loan mix
82%RE $201.0M17%C&I $41.5M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $233.1M28%Noninterest $88.8MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.57%Q2 ’255.91%Q2 ’26+6%+10%

Non-interest income vs. expense

2.47%Q2 ’242.40%Q2 ’252.25%Q2 ’26+2%-8%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #87 of 147 inst. · $0.3B of $630.7B

45.9% Newton
5.4% Jasper
0.7% Tippecanoe

Executive Summary

  • Earnings: ROA of 1.53%, up 26 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.56% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.54%, down 11 bps from a year ago.
  • Funding: loans stand at 89.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+37 bps YoY

Efficiency Ratio (YTD, annualized)

50.25%-850 bps YoY

Tier 1 Leverage Ratio

12.54%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.27%1.27%1.36%1.53%+26 bps
Return on Equity11.81%11.71%11.69%12.35%13.79%+198 bps
Net Interest Margin3.78%3.83%3.81%4.02%4.15%+37 bps
Efficiency Ratio58.75%57.13%55.25%53.90%50.25%-850 bps
Non-Interest Burden2.09%2.05%1.96%2.01%1.93%-16 bps
Growth
Asset Growth (YoY)6.81%3.06%7.18%3.28%6.77%-4 bps
Loan Growth (YoY)18.51%14.52%19.97%7.79%11.89%-662 bps
Deposit Growth (YoY)6.80%4.95%3.49%-0.34%4.24%-256 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.71%2.13%0.58%0.56%-13 bps
Net Charge-Offs / Loans0.01%0.01%0.20%-0.01%0.00%0 bps
Allowance / Loans1.39%1.47%1.51%1.67%1.66%+27 bps
Allowance Coverage of NPLs2.0x2.1x0.7x2.9x3.0x+1.0x
Capital
Tier 1 Leverage Ratio12.65%12.46%11.75%12.08%12.54%-11 bps
Total Risk-Based Capital12.65%12.46%11.75%12.08%12.54%-11 bps
Equity / Assets11.00%11.12%10.98%11.06%11.21%+20 bps
Liquidity & Funding
Loans / Deposits83.28%86.40%88.99%86.54%89.39%+611 bps
Liquid Assets / Assets1.07%0.55%0.61%0.72%0.67%-40 bps
CRE / Total Capitaln/a222%223%223%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Kentland Bank

Kentland, IN · Cert 13843 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Kenbancorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$419.4MAssets
$287.7MLoans
$321.9MDeposits
$47.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 6 of 57).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 43 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.49%

Rank 8 of 57

Net Interest Margin

4.15%

Rank 13 of 57

Efficiency Ratio

50.25%

Rank 6 of 57

Equity / Assets

11.21%

Rank 32 of 57

Non-interest income vs. expense

$1.3M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 91% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 50.25%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.49%0.51%0.84%1.19%Beats 86%8 / 57
Return on Equity13.31%3.13%7.76%11.40%Beats 89%6 / 57
Net Interest Margin4.15%3.16%3.63%4.08%Beats 77%13 / 57
Efficiency Ratio50.25%59.57%69.70%81.06%Beats 91%6 / 57
Asset Quality
Nonperforming Loans / Loans0.56%0.06%0.34%1.78%Beats 45%32 / 56
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 32%39 / 56
Capital
Tier 1 Capital Ratio12.54%12.24%16.06%19.69%Beats 28%41 / 57
Total Risk-Based Capital Ratio12.54%12.54%16.50%20.95%Beats 25%43 / 57
Equity / Assets11.21%9.37%11.56%15.00%Beats 44%32 / 57
Liquidity & Funding
Loans / Deposits89.39%66.29%85.59%95.16%61st pctl22 / 57
Loans / Assets68.60%57.07%71.07%78.13%42nd pctl33 / 57
Brokered Deposits / Depositsn/aNot reported for this institution