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Kendall Bank

$100M-$1B Specialty: Commercial KS FDIC cert 8110

Overland Park, KS

4 branches across KS

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 117 in KS.
  • Deposits +0.6% year over year ($186.9M on the books).
  • Delinquency rate 3.62%.
  • Return on assets 0.77%.
  • Efficiency ratio 77.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.67% 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 117 in KS
View $100M-$1B leaderboard (KS) →

Kendall Bank has 1 strength but faces 7 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 0.86% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 0.3% in tier
  • - Capital Thin: Bottom 9.8% in tier
  • - Liquidity Strain: Bottom 23.3% in tier
  • - Flatlined Growth: Bottom 24.2% in tier
  • - Credit Risk Growth: Bottom 43.1% in tier
  • - Nonperforming Asset Ratio 2.30% above tier average
  • - Efficiency Ratio 13.18% above tier average
Get updates when Kendall Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $211.1M
+0.4% YoY +0.2% QoQ
-$175.5M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $173.2M
+4.4% YoY -0.4% QoQ
-$85.2M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $186.9M
+0.6% YoY +0.1% QoQ
-$139.9M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 0.77%
-72.3% YoY +6.4% QoQ
-0.55% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 4.85%
-25.1% YoY +0.3% QoQ
+0.86% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
Top 10.9% in tier
Efficiency Ratio ? 77.66%
+43.5% YoY -0.9% QoQ
+13.18% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 3.62%
+17.2% YoY +13.7% QoQ
+2.70% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Bottom 4.3% in tier
Loan-to-Deposit Ratio ? 92.67%
+3.8% YoY -0.5% QoQ
+14.72% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 22.82%
+20.9% YoY -0.1% QoQ
+0.79% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 2.97%
+21.8% YoY +13.1% QoQ
+2.30% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Bottom 3.4% in tier
Tier 1 Capital Ratio ? 9.65%
+3.5% YoY +2.6% QoQ
-6.26% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 6.7% in tier
Non-Interest Income / Assets ? 0.11%
-85.6% YoY +122.4% QoQ
-0.46% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
20%

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 22.8%
+3.9pp YoY
0.0pp QoQ
 +0.7pp 22.1% 22.3% 22.2% 58%
Brokered Deposits 34.0%
+30.9pp YoY
+5.5pp QoQ
 +26.1pp 7.9% 8.7% 8.5% 97%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 25.3%
-2.7pp YoY
-0.1pp QoQ
 +13.8pp 11.6% 12.6% 12.5% 94%
CRE 66.2%
+5.3pp YoY
+0.4pp QoQ
 +26.7pp 39.5% 28.8% 41.4% 90%
1-4 Family 8.5%
-0.5pp YoY
+0.1pp QoQ
 -24.1pp 32.6% 26.7% 31.3% 9%
Consumer 0.2%
0.0pp YoY
+0.1pp QoQ
 -3.9pp 4.1% 4.6% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 9.6%
+0.3pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 12.6% 12.6% 24%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 44
+5 (+12.8%) YoY
0 QoQ
 -15 58 70 482 46%
Assets per Employee ($) $4.8M
-11.0% YoY
+0.2% QoQ
 -$2.7M $7.5M $7.1M $8.8M 12%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 3.6%
+3.0pp YoY
+0.4pp QoQ
 +2.7pp 0.9% 0.8% 1.0% 96%
Allowance Coverage 0.65x
+23.4% YoY
-8.0% QoQ
 -23.50x 24.15x 22.44x 20.23x 16%
Net Charge-off Rate (YTD) -0.2% -0.3pp 0.1% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 7.6%
-20.8pp YoY
+0.4pp QoQ
 -4.6pp 12.2% 14.3% 11.6% 23%
Cost of Funds (YTD) 2.1%
-1.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 78%
Net Income ($, YTD) $820,000
-63.3% YoY
— QoQ
 -$1.7M $2.6M $3.7M $40.4M 20%

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 (5)

Margin Compression

decline
#2 of 307 • Bottom 0.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.77%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Thin

risk
#66 of 661 • Bottom 9.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.65%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#162 of 691 • Bottom 23.3% 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: 92.67%
(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

Flatlined Growth

risk
#129 of 529 • Bottom 24.2% 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: 0.77%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Risk Growth

risk
#404 of 936 • Bottom 43.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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)

288
Net Interest Margin
profitability
Value: 4.85%
Peer Median: 3.99%
#288 of 2643 Top 10.9% in $100M-$1B

Top Weaknesses (7 metrics)

2553
Nonperforming Asset Ratio
credit_quality
Value: 2.97%
Peer Median: 0.67%
#2553 of 2643 Bottom 3.4% in $100M-$1B
2522
Delinquency Rate
credit_quality
Value: 3.62%
Peer Median: 0.92%
#2522 of 2633 Bottom 4.3% in $100M-$1B
2468
Tier 1 Capital Ratio
capital
Value: 9.65%
Peer Median: 15.91%
#2468 of 2643 Bottom 6.7% in $100M-$1B
2203
Efficiency Ratio
profitability
Value: 77.66%
Peer Median: 64.48%
#2203 of 2643 Bottom 16.7% in $100M-$1B
2105
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2105 of 2643 Bottom 20.4% in $100M-$1B
2089
Loan-to-Deposit Ratio
liquidity
Value: 92.67%
Peer Median: 77.95%
#2089 of 2643 Bottom 21.0% in $100M-$1B
2062
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.32%
#2062 of 2643 Bottom 22.0% in $100M-$1B
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