State Bank & Trust of Kenmare
Kenmare, ND · Cert 2057 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jorgenson Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)
Q2 2026
$201.1MAssets
$84.6MLoans
$182.8MDeposits
$14.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 93% of banks under $1B in assets operating in a single state (rank 692 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.88%
Rank 472 of 746
Net Interest Margin
2.53%
Rank 692 of 746
Efficiency Ratio
57.47%
Rank 226 of 746
Equity / Assets
7.31%
Rank 684 of 746
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 37% | 472 / 746 | | |
| Return on Equity | 12.03% | 6.74% | 10.51% | 13.63% | Beats 63% | 274 / 746 | | |
| Net Interest Margin | 2.53% | 3.17% | 3.68% | 4.16% | Beats 7% | 692 / 746 | | |
| Efficiency Ratio | 57.47% | 55.74% | 64.58% | 75.47% | Beats 70% | 226 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.09% | 0.42% | 1.07% | Beats 24% | 563 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.93% | 11.55% | 13.75% | 17.60% | Beats 72% | 212 / 746 | | |
| Total Risk-Based Capital Ratio | 17.78% | 11.71% | 14.33% | 18.43% | Beats 72% | 207 / 746 | | |
| Equity / Assets | 7.31% | 8.90% | 10.51% | 13.06% | Beats 8% | 684 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.29% | 61.31% | 78.27% | 90.78% | 10th pctl | 672 / 746 | | |
| Loans / Assets | 42.08% | 53.60% | 66.97% | 76.08% | 12th pctl | 659 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |