Total Assets
$213M
Total balance-sheet footings
FDIC Cert #8110 · Overland Park, Kansas · Est. 1927
Kendall Bank - FDIC Bank Health Profile
A community-scale look at Kendall Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $213M
- Total assets
- C
- Health grade · Fair
- 0.82%
- Return on assets
- 9.2%
- Tier 1 capital
Data updated July 2026
The verdict
Kendall Bank earns a PlainBankData health grade of C (50/100), with 9.15% Tier 1 capital, 0.82% ROA, 65% efficiency ratio.
- #2,926
- largest of 4,313 FDIC banks by assets
- 32nd
- percentile by asset size, nationally
- 9.15%
- Tier 1 ratio - below the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Kendall Bank's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Kendall Bank's composite health score
Tier 1 Capital Ratio (9.15%) 18/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (17.71%) 10/20
Efficiency Ratio (65.11%) 8/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$190M
Customer-funded liabilities
Net Loans
$178M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Kendall Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kendall Bank's score of 50/100 falls in the highlighted band.
Kendall Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Kendall Bank's $213M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.15% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.15%
Texas Ratio
17.71%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.82%
Return on Equity (ROE)
8.50%
Efficiency Ratio
65.11%
What the numbers say about Kendall Bank
Kendall Bank is an FDIC-insured institution (Certificate #8110) headquartered in Overland Park, Kansas, established in 1927. It holds $213M in total assets - 2,926th of 4,313 FDIC-insured banks, $190M in customer deposits, and $178M in net loans. Its capital position: a Tier 1 ratio of 9.15%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 17.71% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (50 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Kendall Bank sits 87th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Kendall Bank reports a Texas Ratio of 17.71% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kendall Bank (FDIC Cert #8110) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Kendall Bank's health grade?▼
Kendall Bank receives a health grade of C (50/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Kendall Bank?▼
Kendall Bank holds $213M in total assets and $190M in deposits, ranking 2,926th of 4,313 FDIC-insured banks by asset size. It is headquartered in Overland Park, Kansas.
Is my money safe at Kendall Bank?▼
Yes, deposits at Kendall Bank (Certificate #8110) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Kendall Bank's Tier 1 Capital Ratio?▼
Kendall Bank has a Tier 1 Capital Ratio of 9.15%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Kendall Bank?▼
Kendall Bank has a Texas Ratio of 17.71%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Kendall Bank?▼
Kendall Bank has an Efficiency Ratio of 65.11%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Kendall Bank's profile as a depositor or analyst.
- Kendall Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Kendall Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.