FDIC Cert #13843 · Kentland, Indiana · Est. 1932

Kentland Bank - FDIC Bank Health Profile

A community-scale look at Kentland Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$407M
Total assets
B
Health grade · Good
1.27%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

Kentland Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.75% Tier 1, profitable at 1.27% ROA, efficient (55% cost ratio).

#2,066
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
11.75%
Tier 1 ratio - above the 10% well-capitalized line
62nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 13843 · IN B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2468/4307
  • PHOTO-FINISH Field & Main Bank · KY
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-CLEAN 12.1% Texas
  • ROA-STRONG 1.27% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Field & Main Bank, KY (±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 Kentland Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Hartington · NE · ne…76/100Farmers and Merchant… · AL ·…76/100Field & Main Bank · KY · near76/100Kentland Bank · IN · this ba…76/100The Farmers State Bank · KS …76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Kentland Bank · July 2026

What Kentland Bank's Call Report plate shows

Kentland Bank (FDIC Cert #13843) carries a PlainBankData health grade of B at 76/100, 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 #2,468 of 4,307. Tier 1 capital prints at 11.75%, clearing the 10% well-capitalized line. The Texas Ratio is 12.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.27%. Balance-sheet scale is $407M, 2,066th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Field & Main Bank (KY), 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 Kentland Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Kentland Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Kentland Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

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

How Kentland Bank's 76/100 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 avg77/10076/100
Kentland Bank's composite health score
Tier 1 Capital Ratio (11.75%) 28/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (12.08%) 16/20
Efficiency Ratio (55.25%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$407M

Total balance-sheet footings

Total Deposits

$311M

Customer-funded liabilities

Net Loans

$272M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.35% 11.75% 13.15%
Basel III capital ratios - Kentland Bank

Where Kentland Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kentland Bank's score of 76/100 falls in the highlighted band.

Kentland Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Kentland 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

Kentland 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). Kentland Bank's $407M falls in the highlighted band.

Safety ratios for Kentland Bank

Tier 1 capital ratio
Well-capitalized 10%

11.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.75%
Texas Ratio
12.08%
Equity Capital
$45M

What these ratios mean →

Earnings posture at Kentland Bank

Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
11.69%
Efficiency Ratio
55.25%

What these mean →

Income & expense at Kentland Bank

$23M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Kentland Bank reports a Texas Ratio of 12.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($407M here), outside Indiana so the neighborhood is not state containment.

North Star Bank $407M · MN Heritage Bank & Trust $406M · TN Watermark Bank $407M · OK Haddon Savings Bank $407M · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kentland Bank (FDIC Cert #13843) - 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.

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

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%