Kindred State Bank
Total assets
$43.3M
▼ -0.5% YoY
Deposits
$39.4M
▼ -1.2% YoY
Loans
$22.3M
▲ +1.9% YoY
Offices
1
ROA (annualized)
1.33%
peers 0.99%
ROE (annualized)
15.44%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | Kindred State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -1.2% | +2.5% | -3.7 pts |
| Loan growth (YoY) | +1.9% | +2.6% | -0.8 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
Profile
- Established
- 1898
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Agricultural Specialization
- Address
- 411 Elm St, Kindred, ND, 58051
- County
- Cass
- Metro area
- Fargo, ND-MN
- Offices
- 1
- FDIC cert #
- 8946
- RSSD ID
- 816751
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| 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% | 52th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
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