| Metric | Kindred State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.4 pts |
| Deposit growth (YoY) | -1.2% | +2.5% | -3.7 pts |
| Loan growth (YoY) | +1.9% | +2.6% | -0.7 pts |
| ROA | 1.33% | 0.99% | +0.3 pts |
| ROE | 15.4% | 8.1% | +7.4 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.3M | $39.4M | $22.3M | $3.8M | $295K | 1.33% | 3.93% | 0.07% |
| Q1 2026 | $47.1M | $43.4M | $21.7M | $3.7M | $157K | 1.39% | 3.73% | 0.09% |
| Q4 2025 | $42.9M | $38.9M | $21.5M | $4.0M | $568K | 1.30% | 3.61% | 0.12% |
| Q3 2025 | $38.4M | $34.6M | $22.3M | $3.8M | $391K | 1.19% | 3.60% | 0.35% |
| Q2 2025 | $43.5M | $39.9M | $21.9M | $3.6M | $191K | 0.84% | 3.54% | 0.23% |
| Q1 2025 | $48.8M | $45.3M | $21.5M | $3.4M | $65K | 0.56% | 3.46% | 0.20% |
| Q4 2024 | $44.6M | $40.8M | $22.1M | $3.7M | $621K | 1.48% | 3.76% | 0.07% |
| Q3 2024 | $37.9M | $34.3M | $22.7M | $3.6M | $437K | 1.41% | 3.71% | 0.19% |
Loan mix (Q2 2026): real estate $8.2M · commercial $3.9M · consumer $4.1M · securities $6.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kindred State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.99% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 8.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 70.8% | 36th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Kindred State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Kindred State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Kindred State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Kindred State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Kindred State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $39.4M branch deposits. Biggest market: Cass, ND, ranked 31st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cass, ND | 1 | $39.4M | 0.32% | 31st |
North Dakota: 87th with 0.08% · Fargo metro: 35th, 0.27% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend down 44% in 2024. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).