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Kensington Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 1409

Kensington, MN

7 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -3.6% year over year ($376.2M on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.30%.
  • Efficiency ratio 50.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Kensington Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.36% above tier average
  • + Efficiency Ratio 13.73% below tier average
  • + Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.8% in tier
  • - Capital Constraint: Bottom 29.0% in tier
  • - Deposit Outflow: Bottom 40.4% in tier
  • - Flatlined Growth: Bottom 40.5% in tier
Get updates when Kensington Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $446.7M
-1.2% YoY -0.9% QoQ
+$60.1M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $341.2M
-1.0% YoY -1.9% QoQ
+$82.8M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $376.2M
-3.6% YoY -0.8% QoQ
+$49.5M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.30%
+36.0% YoY -6.1% QoQ
-0.02% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 4.35%
+11.8% YoY +1.7% QoQ
+0.36% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 50.75%
-12.0% YoY -2.1% QoQ
-13.73% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.58%
-47.2% YoY -55.3% QoQ
-0.34% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 90.69%
+2.7% YoY -1.2% QoQ
+12.74% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 16.90%
+2.5% YoY +0.2% QoQ
-5.13% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.44%
-47.1% YoY -55.8% QoQ
-0.23% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 11.61%
+9.5% YoY +5.2% QoQ
-4.30% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.26%
+20.7% YoY +141.5% QoQ
-0.31% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 16.9%
+0.4pp YoY
0.0pp QoQ
 -5.2pp 22.1% 21.9% 22.2% 32%
Brokered Deposits 1.3%
-6.7pp YoY
0.0pp QoQ
 -6.5pp 7.9% 8.3% 8.5% 22%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 10.8%
-3.8pp YoY
-1.0pp QoQ
 -0.7pp 11.6% 14.6% 12.5% 57%
CRE 24.4%
-4.1pp YoY
-1.2pp QoQ
 -15.2pp 39.5% 36.5% 41.4% 26%
1-4 Family 28.0%
+3.1pp YoY
-0.2pp QoQ
 -4.6pp 32.6% 29.4% 31.3% 47%
Consumer 1.5%
-0.2pp YoY
-0.1pp QoQ
 -2.6pp 4.1% 4.5% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 11.6%
+1.0pp YoY
+0.6pp QoQ
 -7.2pp 18.8% 16.5% 19.7% 13%
Leverage Ratio 9.9%
+0.8pp YoY
+0.4pp QoQ
 -2.3pp 12.2% 11.0% 12.6% 28%
Total Capital Ratio 12.3%
+1.0pp YoY
+0.5pp QoQ
 -7.6pp 19.9% 17.6% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 60
-1 (-1.6%) YoY
+4 (+7.1%) QoQ
 +1 58 55 482 63%
Assets per Employee ($) $7.4M
+0.5% YoY
-7.5% QoQ
 -$73K $7.5M $8.6M $8.8M 60%
Branch Count 7
-1 (-12.5%) YoY
0 QoQ
 +2 4 4 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
0.0pp QoQ
 0.0pp 0.3% 0.4% 0.4% 73%
Nonaccrual 0.3%
-0.8pp YoY
-0.7pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 38%
Allowance Coverage 1.23x
+87.3% YoY
+101.9% QoQ
 -22.93x 24.15x 20.41x 20.23x 33%
Net Charge-off Rate (YTD) 0.5%
+0.5pp YoY
+0.8pp QoQ
 +0.3pp 0.1% 0.2% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 13.6%
+2.5pp YoY
-1.2pp QoQ
 +1.4pp 12.2% 13.1% 11.6% 59%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 62%
Net Income ($, YTD) $2.9M
+35.5% YoY
— QoQ
 +$368K $2.6M $4.5M $40.4M 69%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk
#34 of 691 • Bottom 4.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#32 of 107 • Bottom 29.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 90.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.61%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#217 of 535 • Bottom 40.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#215 of 529 • Bottom 40.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.30%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

484
Efficiency Ratio
profitability
Value: 50.75%
Peer Median: 64.48%
#484 of 2643 Top 18.3% in $100M-$1B

Top Weaknesses (1 metrics)

1990
Loan-to-Deposit Ratio
liquidity
Value: 90.69%
Peer Median: 77.95%
#1990 of 2643 Bottom 24.7% in $100M-$1B
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