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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.27% | 1.27% | 1.36% | 1.53% | +26 bps | |
| Return on Equity | 11.81% | 11.71% | 11.69% | 12.35% | 13.79% | +198 bps | |
| Net Interest Margin | 3.78% | 3.83% | 3.81% | 4.02% | 4.15% | +37 bps | |
| Efficiency Ratio | 58.75% | 57.13% | 55.25% | 53.90% | 50.25% | -850 bps | |
| Non-Interest Burden | 2.09% | 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 / Loans | 0.69% | 0.71% | 2.13% | 0.58% | 0.56% | -13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.20% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.39% | 1.47% | 1.51% | 1.67% | 1.66% | +27 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 0.7x | 2.9x | 3.0x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.65% | 12.46% | 11.75% | 12.08% | 12.54% | -11 bps | |
| Total Risk-Based Capital | 12.65% | 12.46% | 11.75% | 12.08% | 12.54% | -11 bps | |
| Equity / Assets | 11.00% | 11.12% | 10.98% | 11.06% | 11.21% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.28% | 86.40% | 88.99% | 86.54% | 89.39% | +611 bps | |
| Liquid Assets / Assets | 1.07% | 0.55% | 0.61% | 0.72% | 0.67% | -40 bps | |
| CRE / Total Capital | n/a | 222% | 223% | 223% | n/a | n/a | |