# KENTLAND BANK
KENTLAND, IN · FDIC certificate 13843 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $419.4M | |
| Deposits | $321.9M | |
| Loans and leases | $287.7M | |
| Total equity | $47.0M | |
| Loans / deposits | 87.90% (p66 of band) | 82.04% |
| Liquid assets / assets | 25.14% (p51 of band) | |
| Uninsured deposits / deposits | 27.31% (p56 of band) | 25.97% |
| Brokered deposits | 4.55% | |
| Wholesale funding | 16.14% (p89 of band) | |
| FHLB advances / assets | 10.73% | |
| Tier 1 leverage | 12.54% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -13.58% (p35 of band) | -8.10% |
| AOCI / equity | -1.29% (p17 of band) | |
| ROA (annualized) | 1.53% (p66 of band) | 1.28% |
| Net interest margin | 4.51% (p83 of band) | 3.91% |
| Efficiency ratio | 50.25% (p19 of band) | |
| Noncurrent loans | 0.56% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 298.50% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 74.91% (p75 of band) | |
| Auto loans | $975,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 2 | capital falling, deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | capital falling, deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 0 |  | reserve under noncurrent, capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 4 | wholesale funding >15%, capital falling, noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 0 |  | wholesale funding >15%, capital falling, noncurrent p90, reserve under noncurrent |
| 2026-06 | 1 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [Failed Bank Information for Kentland Federal Savings and Loan Association, Kentland, IN - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMingFBVV95cUxPRG5zdXZQZk1SX0lJRlpqcG5JM0FBMDlEM19kTEZpMEthYWhVTjFCLUttcWhhSFFDdTVLVzVMUDZobXR0M3dHSlgxUHdSSmE4LTNfM09maEtxWmY2MGFBOTh3LUM0eHQ4bS1mVXhiOTNXMk5JcXRDcUtCakVPRDJfOEJGVFRKcXgwWTc3RWRLdVBMTHg0X21aWUdKWWR3UQ?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-07-13 [America’s Smallest Standalone Bank Closes After 106 Years - KBRA](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZWtyQnFmZVdTWnZoWHp5T2Qzcy1MYkt3R1QwWWJFU1R4RUE3RThXdnJlMFh1TnBITk9rakJsU05kV2Y5TkU5Z09PM0JxaGJsRXdUVm5UdDl0cVhFZnBaelRhdEVaRkhzWnIwWE1nRG0wa19oZDdhSTlGM2FpdDdDdFNaakNYek9fa1c4S05XUGV4SEtaMS1obm9sSVNySTQ?oc=5) · KBRA
- 2026-07-13 [OCC shutters smallest US bank - Banking Dive](https://news.google.com/rss/articles/CBMiekFVX3lxTE9veUN0dFAzNERyM2twcGdrLUpBTTFyLUJ3TWloZlpUMWZ2LWFjN2Rfek0ydXlPTG10bjBqUUVxQzJHdEV1bldTVTROUFRLaFFvYkt4blBVMWZTVTVWOGNtUmFGRkhZWkJHV3RJbWw4aldCYklkYWRoRlln?oc=5) · Banking Dive
- 2026-07-11 [Why America’s Smallest Bank, Family-Run for 106 Years, Failed - Barron's](https://news.google.com/rss/articles/CBMid0FVX3lxTE9XM2ZKNF9CNDRzNkVfcWJCYlk2M1VadmhKMVl0M1NjSkE0QXlJeHdTWFhZWGxZYlB2X2I5ME9OWEF6Zl9mQ3pZZTlUdlJJQW1BQkFrUks5eVJrXzBkaERaSWxxbFBCdndMVWdyS091QzJPZk5GaTY0?oc=5) · Barron's
- 2026-07-10 [Smallest standalone bank in America fails - American Banker](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGd6SUg3c1QtVjktcmt6WV96MWhOSnh3V1F5U3RiWGRZcDhfbnhRTnY5d05UTVFuMnVqRjNXaFhKa04yNVZjbWVONm5ZemQ5WlA4V3E1aXc0NXhzWG9wbTdtbVZmVWhuZXZpS3FEdWEtM0xkWjdaaWFTN0VPLWN4QnhlVQ?oc=5) · American Banker
- 2026-07-13 [Kentland Federal Savings and Loan closed by OCC - Equipment Finance News](https://news.google.com/rss/articles/CBMipwFBVV95cUxOSThUMDlzZkFCdEYxMzFIbkJxV1RPRzIxLUJlLUxUMkdzM1hhNEVOemxtRmQtdXVOQTZoUU90ZEVaUmJFU3czOHhHRF9KNXJ6NlJtcUxmRk0ydFJXZW45bG43bkFFb3cxLUFscjdaMmVOb3pUTnF0b0l3cWxsY0pJSkpSZWpMTFR6Y0JqWGxydzRNWFJlX1dWQVNyRjU2YmVTM0RfaE9OOA?oc=5) · Equipment Finance News
- 2026-07-13 [FDIC closes Newton County bank; assets acquired by Kentland Bank - Inside INdiana Business](https://news.google.com/rss/articles/CBMirwFBVV95cUxOLXRDdWxJbnptYy15UGJRVzhtOGZzRmRmWV9qYXRremhPR3RXTVlPV001aF9ZUXRfd1VkblU4cjJrNExpLWNTUGpwaG5nSUQ2V1RXSlJYRHBhek83SWd5b1ctTWdyeHpxX0htTEV6Y011aXktaUxwM3lBaUs2SmtBdmhoM1M3MU9TRFJ1cUs0Z3JlSEhIRWxrRF82QXRHRjBFVGFHNnJBX01zSlM1UmIw?oc=5) · Inside INdiana Business
- 2026-07-15 [Smallest US Bank Closes In Kentland - InkFreeNews.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNblFuNVJPaWYwcmgtQllqM1d3Vm5YbmVWTzN4N0RROEx2SUJqUTd2X2dxNVdWZVdSSDR6NERtalhpekF0aE12SHlLbjg2SHgxVVJ2WW9RQmUzbXVRajJUTjEwdFBFQnBjOVBMSUxpMnlkNFRrbFFuSWtqTEFVSEg0OA?oc=5) · InkFreeNews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13843 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "13843", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide