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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 28722 · IN F · 0/100

GRADE-F · BOTTOM-DECILE · SOLO-SHEET · TIER1-UNDER · TEXAS-DANGER · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (0/100)
  • BOTTOM-DECILE #4307/4307
  • SOLO-SHEET No peer gap
  • TIER1-UNDER 1.8% Tier 1
  • TEXAS-DANGER 122.2% Texas
  • ROA-LOSS -7.96% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

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 Federal Savings and Loan Ass…

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

Morgan Stanley Bank,… · UT ·…100/100Kentland Federal Sav… · IN ·…0/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Kentland Federal Savings and Loan Ass… · July 2026

What Kentland Federal Savings and Loan Ass…'s Call Report plate shows

Kentland Federal Savings and Loan Association (FDIC Cert #28722) carries a PlainBankData health grade of F at 0/100, 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 #4,307 of 4,307. Tier 1 capital prints at 1.77%, missing the 10% well-capitalized line. The Texas Ratio is 122.22%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -7.96%. Balance-sheet scale is $4M, 4,306th of 4,313 FDIC-insured banks by assets. 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 Federal Savings and Loan Ass…

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

Kentland Federal Savings and Loan Association'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 Federal Savings and Loan Association 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 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.

0/100100/100National avg77/1000/100
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 Assets

$4M

Total balance-sheet footings

Total Deposits

$4M

Customer-funded liabilities

Net Loans

$3M

Outstanding loan book

Net Income

$-270K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 0.5% 1% 1.5% 2% 2.5% 3% 3.5% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 0.37% 1.77% 3.17%
Basel III capital ratios - Kentland Federal Savings and Loan Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

0 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). This entry sits in this band. 10–20: 6 FDIC-insured banks (0%). Above this entry. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 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. Kentland Federal Savings and Loan Ass… 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 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 ratios for Kentland Federal Savings and Loan Ass…

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

What these ratios mean →

Profitability metrics: Kentland Federal Savings and Loan Ass…

Return on Assets (ROA)
0th percentile nationally
-7.96%
Return on Equity (ROE)
-120.43%
Efficiency Ratio
810.53%

What these mean →

Income & expense: loss period at Kentland Federal Savings and Loan Ass…

$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.

FDIC Failed Bank List → View Kentland Federal Savings and Loan Association 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.

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.

Kentland Federal Savings and Loan Association 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%