Total Assets
$127M
Total balance-sheet footings
FDIC Cert #18879 · Kennett, Missouri · Est. 1963
Kennett Trust Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $127M
- Total assets
- D
- Health grade · Weak
- 0.23%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Kennett Trust Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 10.67% Tier 1, 0.23% ROA, 90% efficiency ratio.
- #3,534
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 10.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Kennett Trust Bank's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Kennett Trust Bank's composite health score
Tier 1 Capital Ratio (10.67%) 28/40
Return on Assets (ROA) (0.23%) 7/25
Texas Ratio (26.90%) 10/20
Efficiency Ratio (90.32%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$113M
Customer-funded liabilities
Net Loans
$79M
Outstanding loan book
Net Income
$306K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Kennett Trust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kennett Trust Bank's score of 45/100 falls in the highlighted band.
Kennett Trust 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). Kennett Trust Bank's $127M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.67%
Texas Ratio
26.90%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.23%
Return on Equity (ROE)
2.49%
Efficiency Ratio
90.32%
What the numbers say about Kennett Trust Bank
Kennett Trust Bank is an FDIC-insured institution (Certificate #18879) headquartered in Kennett, Missouri, established in 1963. It holds $127M in total assets - 3,534th of 4,313 FDIC-insured banks, $113M in customer deposits, and $79M in net loans. On safety, its Tier 1 capital ratio of 10.67% is above the 10% well-capitalized threshold, and its Texas Ratio of 26.90% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Kennett Trust Bank ranks 164th of 198 banks based in Missouri -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$-82K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Kennett Trust Bank reports a Texas Ratio of 26.90% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
26.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Kennett Trust Bank
Kennett Trust Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Kennett Trust Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kennett Trust Bank (FDIC Cert #18879) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Kennett Trust Bank's health grade?▼
Kennett Trust Bank receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Kennett Trust Bank?▼
Kennett Trust Bank holds $127M in total assets and $113M in deposits, ranking 3,534th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kennett, Missouri.
Is my money safe at Kennett Trust Bank?▼
Yes, deposits at Kennett Trust Bank (Certificate #18879) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Kennett Trust Bank's Tier 1 Capital Ratio?▼
Kennett Trust Bank has a Tier 1 Capital Ratio of 10.67%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Kennett Trust Bank?▼
Kennett Trust Bank has a Texas Ratio of 26.90%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Kennett Trust Bank?▼
Kennett Trust Bank has an Efficiency Ratio of 90.32%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Kennett Trust Bank's profile as a depositor or analyst.
- Kennett Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Kennett Trust Bank against other Missouri banks before moving funds. Missouri 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.