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
Unfavorable gap of $7.9M · efficiency ratio beats 91% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |