Total Assets
$191M
Total balance-sheet footings
FDIC Cert #2057 · Kenmare, North Dakota · Est. 1925
State Bank & Trust of Kenmare - FDIC Bank Health Profile
A community-scale look at State Bank & Trust of Kenmare's own numbers, pulled straight from its quarterly FDIC Call Report.
- $191M
- Total assets
- B
- Health grade · Good
- 0.69%
- Return on assets
- 16.0%
- Tier 1 capital
Data updated July 2026
The verdict
State Bank & Trust of Kenmare earns a PlainBankData health grade of B (78/100), with well-capitalized at 16.04% Tier 1, 0.69% ROA, 71% efficiency ratio.
- #3,074
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 16.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How State Bank & Trust of Kenmare's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
State Bank & Trust of Kenmare's composite health score
Tier 1 Capital Ratio (16.04%) 40/40
Return on Assets (ROA) (0.69%) 14/25
Texas Ratio (0.18%) 20/20
Efficiency Ratio (70.60%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$174M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where State Bank & Trust of Kenmare ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank & Trust of Kenmare's score of 78/100 falls in the highlighted band.
State Bank & Trust of Kenmare'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). State Bank & Trust of Kenmare's $191M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.04%
Texas Ratio
0.18%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
11.08%
Efficiency Ratio
70.60%
What the numbers say about State Bank & Trust of Kenmare
State Bank & Trust of Kenmare is an FDIC-insured institution (Certificate #2057) headquartered in Kenmare, North Dakota, established in 1925. It holds $191M in total assets - 3,074th of 4,313 FDIC-insured banks, $174M in customer deposits, and $87M in net loans. Its capital position: a Tier 1 ratio of 16.04%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
State Bank & Trust of Kenmare sits 34th of 61 banks headquartered in North Dakota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$8M
Interest Income
$108K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank & Trust of Kenmare reports a Texas Ratio of 0.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank & Trust of Kenmare (FDIC Cert #2057) - 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 North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is State Bank & Trust of Kenmare's health grade?▼
State Bank & Trust of Kenmare receives a health grade of B (78/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is State Bank & Trust of Kenmare?▼
State Bank & Trust of Kenmare holds $191M in total assets and $174M in deposits, ranking 3,074th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kenmare, North Dakota.
Is my money safe at State Bank & Trust of Kenmare?▼
Yes, deposits at State Bank & Trust of Kenmare (Certificate #2057) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank & Trust of Kenmare's Tier 1 Capital Ratio?▼
State Bank & Trust of Kenmare has a Tier 1 Capital Ratio of 16.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for State Bank & Trust of Kenmare?▼
State Bank & Trust of Kenmare has a Texas Ratio of 0.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is State Bank & Trust of Kenmare?▼
State Bank & Trust of Kenmare has an Efficiency Ratio of 70.60%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read State Bank & Trust of Kenmare's profile as a depositor or analyst.
- State Bank & Trust of Kenmare's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank & Trust of Kenmare against other North Dakota banks before moving funds. North Dakota 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.