Total Assets
$4M
Total balance-sheet footings
FDIC Cert #28722 · Kentland, Indiana · Est. 1920
Kentland Federal Savings and Loan Association - 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.
- $4M
- Total assets
- F
- Health grade · At Risk
- -7.96%
- Return on assets
- 1.8%
- Tier 1 capital
Data updated July 2026
The verdict
Kentland Federal Savings and Loan Association earns a PlainBankData health grade of F (0/100), with 1.77% Tier 1 capital, -7.96% ROA, 811% efficiency ratio.
- #4,306
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 1.77%
- Tier 1 ratio - below the 10% well-capitalized line
- 0th
- 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 Kentland Federal Savings and Loan Association's 0/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Kentland Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (1.77%) 0/40
Return on Assets (ROA) (-7.96%) 0/25
Texas Ratio (122.22%) 0/20
Efficiency Ratio (810.53%) 0/15
0 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4M
Customer-funded liabilities
Net Loans
$3M
Outstanding loan book
Net Income
$-270K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Kentland Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kentland Federal Savings and Loan Association's score of 0/100 falls in the highlighted band.
Kentland Federal Savings and Loan Association'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 Federal Savings and Loan Association's $4M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
1.77% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
1.77%
Texas Ratio
122.22%
Equity Capital
$150K
Profitability metrics
Return on Assets (ROA)
0th percentile nationally
-7.96%
Return on Equity (ROE)
-120.43%
Efficiency Ratio
810.53%
What the numbers say about Kentland Federal Savings and Loan Association
Kentland Federal Savings and Loan Association is an FDIC-insured institution (Certificate #28722) headquartered in Kentland, Indiana, established in 1920. It holds $4M in total assets - 4,306th of 4,313 FDIC-insured banks, $4M in customer deposits, and $3M in net loans. Looking at capital strength, Tier 1 stands at 1.77%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 122.22%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of F (0/100), 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, Kentland Federal Savings and Loan Association ranks 89th of 90 banks based in Indiana -- 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
$148K
Interest Income
$6K
Non-Interest Income
$308K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Kentland Federal Savings and Loan Association reports a Texas Ratio of 122.22% - in the danger zone above 100%, where troubled assets exceed the capital cushion.
Texas Ratio
Caution 50%
122.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Kentland Federal Savings and Loan Association
Kentland Federal Savings and Loan Association's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 122.22% sits in the danger zone above 100%, where troubled assets exceed the capital and reserves available to absorb them. The bank reported negative net income of $-270K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 1.77% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Kentland Federal Savings and Loan Association 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 Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kentland Federal Savings and Loan Association (FDIC Cert #28722) - 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 Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Kentland Federal Savings and Loan Association's health grade?▼
Kentland Federal Savings and Loan Association receives a health grade of F (0/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Kentland Federal Savings and Loan Association?▼
Kentland Federal Savings and Loan Association holds $4M in total assets and $4M in deposits, ranking 4,306th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kentland, Indiana.
Is my money safe at Kentland Federal Savings and Loan Association?▼
Yes, deposits at Kentland Federal Savings and Loan Association (Certificate #28722) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Kentland Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Kentland Federal Savings and Loan Association has a Tier 1 Capital Ratio of 1.77%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
What is the Texas Ratio for Kentland Federal Savings and Loan Association?▼
Kentland Federal Savings and Loan Association has a Texas Ratio of 122.22%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Kentland Federal Savings and Loan Association?▼
Kentland Federal Savings and Loan Association has an Efficiency Ratio of 810.53%. 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 Kentland Federal Savings and Loan Association's profile as a depositor or analyst.
- Kentland Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Kentland Federal Savings and Loan Association against other Indiana banks before moving funds. Indiana 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.