Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kentland, IN · FDIC certificate #13843
KENTLAND BANK is an FDIC-insured institution based in Kentland, IN (FDIC certificate #13843). In its Q3 2026 Call Report it reported total assets of $418M, total deposits of $323M and net loans of $288M. Its primary federal regulator is FDIC.
Plain-language readout
KENTLAND BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $419M in Q2 2026 and were lowest at $402M in Q1 2026.
Total deposits were highest at $323M in Q3 2026 and lowest at $311M in Q1 2026.
Over the whole period total assets rose 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $418M | $323M | $288M | 1.61% | 14.80% | 4.57% |
| Q2 2026 | $419M | $322M | $283M | 1.53% | 13.79% | 4.51% |
| Q1 2026 | $402M | $311M | $265M | 1.36% | 12.35% | 4.42% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.1M | $6.6M | +$541K | +8.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $97.2M | $100.1M | -$2.9M | -2.9% |
| Equity securities with readily determinable fair values, not held for trading | $1.1M | $243K | +$872K | +358.8% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $282.9M | $264.6M | +$18.3M | +6.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.2M | $6.1M | +$41K | +0.7% |
| Other real estate owned | $4.8M | $4.8M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $20.1M | $19.7M | +$348K | +1.8% |
| Total assets | $419.4M | $402.2M | +$17.2M | +4.3% |
| Liabilities | ||||
| Total deposits | $321.9M | $311.0M | +$10.9M | +3.5% |
| Federal funds purchased | $3.6M | $428K | +$3.2M | +739.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $45.0M | $45.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $1.3M | +$629K | +48.4% |
| Total liabilities | $372.4M | $357.7M | +$14.7M | +4.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $900K | $900K | $0K | 0.0% |
| Surplus | $4.1M | $4.1M | $0K | 0.0% |
| Retained earnings | $46.2M | $44.4M | +$1.8M | +3.9% |
| Accumulated other comprehensive income | -$4.2M | -$4.9M | +$771K | +15.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.0M | $44.5M | +$2.5M | +5.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.4M | $6.3M | +$48K | +0.8% |
| Adjusted nonperforming assets | $6.4M | $6.3M | +$48K | +0.8% |
| Tangible equity plus allowance | $51.8M | $49.0M | +$2.8M | +5.8% |
| Texas ratio (gross) | 12.30% | 12.91% | -0.61 pts | See points |
| Texas ratio (adjusted) | 12.30% | 12.91% | -0.61 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.63% | 13.26% | -0.63 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.54% | 12.08% | +0.46 pts | See points |
| Construction and land loans to total capital | 62.93% | 65.24% | -2.30 pts | See points |
| Commercial real estate to total capital | 196.89% | 204.38% | -7.49 pts | See points |
| Dividend payout, year to date | 4.79% | 10.90% | -6.11 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.29% | -12.65% | +2.36 pts | See points |
| Liquidity | ||||
| Core deposits | $251.0M | $250.8M | +$196K | +0.1% |
| Non-core funding | $119.5M | $105.6M | +$13.9M | +13.1% |
| Loans to core deposits | 114.64% | 107.32% | +7.32 pts | See points |
| Loans to deposits | 89.39% | 86.54% | +2.84 pts | See points |
| Brokered deposits share of deposits | 5.93% | 4.53% | +1.40 pts | See points |
| Pledged securities share of securities | 65.46% | 65.65% | -0.20 pts | See points |
| Loans pledged, share of loans | 14.42% | 0.00% | +14.42 pts | See points |
| Volatile liabilities | $119.5M | $105.6M | +$13.9M | +13.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.0M | +$2.5M | +121.5% |
| Earnings before provision, single quarter | $2.5M | $2.0M | +$440K | +21.5% |
| Provision for credit losses, year to date | $618K | $309K | +$309K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.47% | 7.22% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | 2.38% | 1.97% | +0.40 pts | See points |
| Total interest income to average assets | 6.04% | 5.77% | +0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 1.91% | 1.81% | +0.10 pts | See points |
| Cost of savings and money market deposits | 0.81% | 0.88% | -0.07 pts | See points |
| Cost of time deposits | 3.64% | 3.70% | -0.06 pts | See points |
| Total interest expense to average assets | 1.76% | 1.75% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $418M | $323M | $288M | 1.61% | 14.80% | 4.57% |
| 2026-06-30 | $419M | $322M | $283M | 1.53% | 13.79% | 4.51% |
| 2026-03-31 | $402M | $311M | $265M | 1.36% | 12.35% | 4.42% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $308.8M | 0.15% | 71 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.