Kerndt Brothers Savings Bank
Lansing, IA · Cert 8761 · Peer group: banks under $1B in assets in IA (n=134-135) · Kerndt Bank Services Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$347.2MAssets
$205.1MLoans
$282.8MDeposits
$37.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 96% of banks under $1B in assets in IA (rank 6 of 135).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in IA (rank 116 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
2.01%
Rank 6 of 135
Net Interest Margin
3.31%
Rank 78 of 135
Efficiency Ratio
50.58%
Rank 33 of 135
Equity / Assets
10.88%
Rank 72 of 135
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 76% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.01% | 0.92% | 1.19% | 1.47% | Beats 96% | 6 / 135 | | |
| Return on Equity | 18.43% | 7.99% | 10.26% | 13.14% | Beats 96% | 6 / 135 | | |
| Net Interest Margin | 3.31% | 2.95% | 3.41% | 3.73% | Beats 42% | 78 / 135 | | |
| Efficiency Ratio | 50.58% | 50.61% | 57.35% | 63.29% | Beats 76% | 33 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.03% | 0.51% | 1.26% | Beats 45% | 75 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 66% | 47 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 10.88% | 11.23% | 13.31% | 15.45% | Beats 16% | 113 / 135 | | |
| Total Risk-Based Capital Ratio | 10.88% | 11.61% | 14.06% | 16.47% | Beats 14% | 116 / 135 | | |
| Equity / Assets | 10.88% | 9.87% | 11.05% | 13.07% | Beats 47% | 72 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.50% | 68.54% | 81.55% | 91.24% | 32nd pctl | 91 / 134 | | |
| Loans / Assets | 59.06% | 57.61% | 68.06% | 76.23% | 30th pctl | 95 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |