Kentland, IN · Cert 13843 · Kenbancorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
32
Asset Quality
39
Profitability
84
Liquidity
85
Efficiency
91
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.
Kentland, IN · Cert 13843 · Kenbancorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #87 of 147 inst. · $0.3B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.16% | 1.17% | 1.27% | 1.27% | 1.27% | 1.36% | 1.53% | +26 bps | |
| Return on Equity | 10.90% | 10.66% | 11.00% | 11.81% | 11.71% | 11.69% | 12.35% | 13.79% | +198 bps | |
| Net Interest Margin | 3.48% | 3.49% | 3.70% | 3.78% | 3.83% | 3.81% | 4.02% | 4.15% | +37 bps | |
| Efficiency Ratio | 61.19% | 60.51% | 61.48% | 58.75% | 57.13% | 55.25% | 53.90% | 50.25% | -850 bps | |
| Non-Interest Burden | 1.98% | 1.97% | 2.16% | 2.09% | 2.05% | 1.96% | 2.01% | 1.93% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.15% | 5.35% | 6.49% | 6.81% | 3.06% | 7.18% | 3.28% | 6.77% | -4 bps | |
| Loan Growth (YoY) | 22.25% | 13.93% | 21.91% | 18.51% | 14.52% | 19.97% | 7.79% | 11.89% | -662 bps | |
| Deposit Growth (YoY) | 2.73% | 4.84% | 7.80% | 6.80% | 4.95% | 3.49% | -0.34% | 4.24% | -256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.56% | 1.52% | 0.74% | 0.69% | 0.71% | 2.13% | 0.58% | 0.56% | -13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.20% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.42% | 1.37% | 1.39% | 1.47% | 1.51% | 1.67% | 1.66% | +27 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.8x | 2.0x | 2.1x | 0.7x | 2.9x | 3.0x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.79% | 12.15% | 12.39% | 12.65% | 12.46% | 11.75% | 12.08% | 12.54% | -11 bps | |
| Total Risk-Based Capital | 12.79% | 12.15% | 12.39% | 12.65% | 12.46% | 11.75% | 12.08% | 12.54% | -11 bps | |
| Equity / Assets | 11.00% | 10.59% | 10.60% | 11.00% | 11.12% | 10.98% | 11.06% | 11.21% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.17% | 76.77% | 80.01% | 83.28% | 86.40% | 88.99% | 86.54% | 89.39% | +611 bps | |
| Liquid Assets / Assets | 1.59% | 0.99% | 0.70% | 1.07% | 0.55% | 0.61% | 0.72% | 0.67% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 222% | 223% | 223% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.51% | 0.84% | 1.19% | Beats 86% | 8 / 57 | ||
| Return on Equity | 13.31% | 3.13% | 7.76% | 11.40% | Beats 89% | 6 / 57 | ||
| Net Interest Margin | 4.15% | 3.16% | 3.63% | 4.08% | Beats 77% | 13 / 57 | ||
| Efficiency Ratio | 50.25% | 59.57% | 69.70% | 81.06% | Beats 91% | 6 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.06% | 0.34% | 1.78% | Beats 45% | 32 / 56 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 32% | 39 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.54% | 12.24% | 16.06% | 19.69% | Beats 28% | 41 / 57 | ||
| Total Risk-Based Capital Ratio | 12.54% | 12.54% | 16.50% | 20.95% | Beats 25% | 43 / 57 | ||
| Equity / Assets | 11.21% | 9.37% | 11.56% | 15.00% | Beats 44% | 32 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.39% | 66.29% | 85.59% | 95.16% | 61st pctl | 22 / 57 | ||
| Loans / Assets | 68.60% | 57.07% | 71.07% | 78.13% | 42nd pctl | 33 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||