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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 8110 · KS C · 50/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (50/100)
  • BOTTOM-DECILE #4135/4307
  • PHOTO-FINISH State Bank of Nauvoo · IL
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-HEALTHY 17.7% Texas
  • ROA-PAR 0.82% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: State Bank of Nauvoo, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Kendall Bank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Commercial Bank & Tr… · AR ·…50/100Industrial Bank · DC · near50/100Kendall Bank · KS · this bank50/100State Bank of Nauvoo · IL · …50/100Talbot State Bank · GA · near50/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Kendall Bank · July 2026

Call Report read for Kendall Bank in a high-failure state

Kendall Bank (FDIC Cert #8110) carries a PlainBankData health grade of C at 50/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,135 of 4,307. Tier 1 capital prints at 9.15%, missing the 10% well-capitalized line. The Texas Ratio is 17.71%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $213M, 2,926th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Nauvoo (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Kendall Bank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Kendall Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Kendall Bank's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

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.

0/100100/100National avg77/10050/100
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 Assets

$213M

Total balance-sheet footings

Total Deposits

$190M

Customer-funded liabilities

Net Loans

$178M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.75% 9.15% 10.55%
Basel III capital ratios - Kendall Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

50 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Kendall Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Kendall Bank

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

What these ratios mean →

Profitability metrics: Kendall Bank

Return on Assets (ROA)
30th percentile nationally
0.82%
Return on Equity (ROE)
8.50%
Efficiency Ratio
65.11%

What these mean →

Income & expense at Kendall Bank

$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.

FDIC Failed Bank List → View Kendall Bank on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($213M here), outside Kansas so the neighborhood is not state containment.

Farmers Savings Bank $213M · IA First State Bank of Bedias $213M · TX Paper City Savings Bank, S.A. $213M · WI MCS Bank $213M · PA

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.

Kendall Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
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%