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Kennett Trust Bank

$100M-$1B Specialty: Other MO FDIC cert 18879

Kennett, MO

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 140 in MO.
  • Deposits -11.8% year over year ($97.3M on the books).
  • Delinquency rate 2.67%.
  • Return on assets 0.53%.
  • Efficiency ratio 80.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.69% 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 140 in MO
View $100M-$1B leaderboard (MO) →

Kennett Trust Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.1% in tier
  • - Deposit Outflow: Bottom 3.9% in tier
  • - NIB Deposit Bleed: Bottom 21.0% in tier
  • - Delinquency Rate 1.75% above tier average
  • - Nonperforming Asset Ratio 1.35% above tier average
  • - ROA 0.79% below tier average
  • - Net Interest Margin 0.82% below tier average
Get updates when Kennett Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $122.1M
-7.4% YoY -3.7% QoQ
-$264.5M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 6.2% in tier
Total Loans ? $76.5M
-1.8% YoY -1.9% QoQ
-$181.8M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 9.0% in tier
Total Deposits ? $97.3M
-11.8% YoY -11.3% QoQ
-$229.5M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 4.9% in tier
Return on Assets ? 0.53%
-50.0% YoY -8.6% QoQ
-0.79% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Bottom 13.1% in tier
Net Interest Margin ? 3.17%
-9.5% YoY -4.4% QoQ
-0.82% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
15%
Efficiency Ratio ? 80.56%
+29.0% YoY +4.2% QoQ
+16.08% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Bottom 13.1% in tier
Delinquency Rate ? 2.67%
+38.3% YoY -47.0% QoQ
+1.75% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 7.7% in tier
Loan-to-Deposit Ratio ? 78.69%
+11.4% YoY +10.7% QoQ
+0.74% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 7.95%
-27.3% YoY +10.4% QoQ
-14.08% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 6.9% in tier
Nonperforming Asset Ratio ? 2.02%
+73.8% YoY -34.8% QoQ
+1.35% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 7.0% in tier
Tier 1 Capital Ratio ? 11.35%
+4.5% YoY +4.4% QoQ
-4.56% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.40%
+10.3% YoY +119.8% QoQ
-0.17% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 14.6% in tier

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 7.9%
-3.0pp YoY
+0.7pp QoQ
 -14.2pp 22.1% 20.9% 22.2% 6%
Brokered Deposits 8.2%
-4.5pp YoY
0.0pp QoQ
 +0.4pp 7.9% 7.4% 8.5% 69%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 24.4%
+5.4pp YoY
+2.7pp QoQ
 +12.9pp 11.6% 12.3% 12.5% 93%
CRE 7.3%
-1.5pp YoY
-1.5pp QoQ
 -32.2pp 39.5% 36.8% 41.4% 2%
1-4 Family 53.4%
-5.2pp YoY
-2.2pp QoQ
 +20.8pp 32.6% 31.9% 31.3% 85%
Consumer 7.9%
-0.4pp YoY
0.0pp QoQ
 +3.8pp 4.1% 4.1% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 11.4%
+0.5pp YoY
+0.5pp QoQ
 -0.8pp 12.2% 11.6% 12.6% 56%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 18
-1 (-5.3%) YoY
0 QoQ
 -41 58 162 482 8%
Assets per Employee ($) $6.8M
-2.3% YoY
-3.7% QoQ
 -$734K $7.5M $8.0M $8.8M 48%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 1.4%
-0.4pp YoY
-3.0pp QoQ
 +1.1pp 0.3% 0.3% 0.4% 95%
Nonaccrual 1.2%
+1.2pp YoY
+0.6pp QoQ
 +0.3pp 0.9% 0.8% 1.0% 76%
Allowance Coverage 0.23x
-47.8% YoY
+39.0% QoQ
 -23.92x 24.15x 10.47x 20.23x 2%
Net Charge-off Rate (YTD) 0.6%
+0.5pp YoY
+0.5pp QoQ
 +0.4pp 0.1% 0.3% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 5.4%
-6.3pp YoY
-0.6pp QoQ
 -6.8pp 12.2% 14.3% 11.6% 15%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 70%
Net Income ($, YTD) $332,000
-53.0% YoY
— QoQ
 -$2.2M $2.6M $11.3M $40.4M 7%

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 (3)

Efficiency Drag

risk
#1 of 361 • Bottom 0.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.56%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Deposit Outflow

decline
#22 of 535 • Bottom 3.9% 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 improving

NIB Deposit Bleed

decline
#35 of 162 • Bottom 21.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 7.95%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

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)

388
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#388 of 2643 Top 14.6% in $100M-$1B

Top Weaknesses (9 metrics)

2515
Total Deposits
size
Value: $97.27M
Peer Median: $326.73M
#2515 of 2643 Bottom 4.9% in $100M-$1B
2481
Total Assets
size
Value: $122.11M
Peer Median: $386.57M
#2481 of 2643 Bottom 6.2% in $100M-$1B
2462
Non-Interest-Bearing Deposit Share
funding
Value: 7.95%
Peer Median: 22.03%
#2462 of 2643 Bottom 6.9% in $100M-$1B
2460
Nonperforming Asset Ratio
credit_quality
Value: 2.02%
Peer Median: 0.67%
#2460 of 2643 Bottom 7.0% in $100M-$1B
2431
Delinquency Rate
credit_quality
Value: 2.67%
Peer Median: 0.92%
#2431 of 2633 Bottom 7.7% in $100M-$1B
2406
Total Loans
size
Value: $76.55M
Peer Median: $258.35M
#2406 of 2643 Bottom 9.0% in $100M-$1B
2298
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.32%
#2298 of 2643 Bottom 13.1% in $100M-$1B
2297
Efficiency Ratio
profitability
Value: 80.56%
Peer Median: 64.48%
#2297 of 2643 Bottom 13.1% in $100M-$1B
2246
Net Interest Margin
profitability
Value: 3.17%
Peer Median: 3.99%
#2246 of 2643 Bottom 15.1% in $100M-$1B
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