Kindred State Bank
Kindred, ND · Cert 8946 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$43.3MAssets
$22.5MLoans
$39.4MDeposits
$3.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets (rank 168 of 581).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets (rank 490 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.07%
Rank 293 of 629
Net Interest Margin
3.58%
Rank 296 of 629
Efficiency Ratio
64.79%
Rank 258 of 629
Equity / Assets
8.83%
Rank 495 of 629
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 59% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 53% | 293 / 629 | |
| Return on Equity | 12.12% | 5.38% | 9.30% | 13.28% | Beats 68% | 203 / 629 | |
| Net Interest Margin | 3.58% | 3.03% | 3.54% | 4.05% | Beats 53% | 296 / 629 | |
| Efficiency Ratio | 64.79% | 58.35% | 67.79% | 79.08% | Beats 59% | 258 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.46% | 1.20% | Beats 71% | 168 / 581 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 16% | 490 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.33% | 11.24% | 13.84% | 18.77% | Beats 66% | 212 / 629 | |
| Total Risk-Based Capital Ratio | 17.04% | 11.58% | 14.43% | 19.66% | Beats 67% | 206 / 629 | |
| Equity / Assets | 8.83% | 9.09% | 10.65% | 13.80% | Beats 21% | 495 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 57.02% | 67.24% | 80.90% | 93.48% | 15th pctl | 503 / 594 | |
| Loans / Assets | 51.85% | 53.31% | 67.71% | 78.15% | 23rd pctl | 483 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |