# KENNETT TRUST BANK
KENNETT, MO · FDIC certificate 18879 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $122.1M | |
| Deposits | $97.3M | |
| Loans and leases | $77.0M | |
| Total equity | $12.4M | |
| Loans / deposits | 78.69% (p60 of band) | 73.59% |
| Liquid assets / assets | 27.47% (p37 of band) | |
| Uninsured deposits / deposits | 9.05% (p11 of band) | 19.81% |
| Brokered deposits | 6.55% | |
| Wholesale funding | 16.46% (p92 of band) | |
| FHLB advances / assets | 8.44% | |
| Tier 1 leverage | 11.35% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -16.04% (p29 of band) | -6.57% |
| AOCI / equity | -0.51% (p44 of band) | |
| ROA (annualized) | 0.53% (p19 of band) | 1.17% |
| Net interest margin | 3.17% (p17 of band) | 3.93% |
| Efficiency ratio | 80.56% (p79 of band) | |
| Noncurrent loans | 2.65% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.35% (p96 of band) | |
| Reserve coverage of noncurrent | 23.38% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 10.67% (p39 of band) | |
| Auto loans | $1.5M (1.98% of loans; DQ 11.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 1 | capital falling | wholesale funding >15% |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-09 | 4 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 | charge-offs p90 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 4 | deposits shrinking, assets shrinking |  |
| 2015-12 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | reserve under noncurrent, assets shrinking |
| 2016-09 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 1 | wholesale funding >15% |  |
| 2018-09 | 3 | capital falling, reserve under noncurrent |  |
| 2018-12 | 1 |  | wholesale funding >15%, reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent | capital falling |
| 2019-06 | 4 | wholesale funding >15%, deposits shrinking, assets shrinking |  |
| 2019-09 | 2 |  | wholesale funding >15%, deposits shrinking |
| 2019-12 | 4 | capital falling, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2020-03 | 3 | brokered >10% | capital falling, uninsured deposits leaving |
| 2020-06 | 1 | uninsured deposits leaving | assets shrinking, deposits shrinking, brokered >10% |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 1 | brokered >10% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 | reserve under noncurrent | brokered >10% |
| 2022-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2022-06 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 4 | brokered >10%, capital falling |  |
| 2023-03 | 5 | wholesale funding >15%, losing money, charge-offs p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | securities losses >30% of equity | capital falling, losing money, charge-offs p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | deposits shrinking | securities losses >30% of equity |
| 2024-03 | 4 | capital falling, assets shrinking | deposits shrinking |
| 2024-06 | 7 | charge-offs p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving | capital falling |
| 2024-09 | 5 | noncurrent p90 | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2024-12 | 5 | uninsured deposits leaving | assets shrinking |
| 2025-03 | 4 |  | noncurrent p90 |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 | noncurrent p90 | brokered >10%, wholesale funding >15% |
| 2025-12 | 5 | expense ratio p90, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2026-03 | 2 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2026-06 | 6 | wholesale funding >15%, charge-offs p90, deposits shrinking, assets shrinking |  |

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

- 2026-08-31 [Kennett Education Foundation receives $48,000 grant from Kennett Trust Bank and FHLB - Delta Dunklin Democrat](https://news.google.com/rss/articles/CBMivAFBVV95cUxQdFk5bV8zbTN5dnBuaU5zOGJYc0RUdHF6NHdUUFk3QUljNGxjdkxDWUtMcXJQdkRmdnRkS1ZJZ2ZRTFR6bEI4WnpQeEJpbV9PeXJqdm11Q0EwSmFTSGlJaTl0OU9ZS0J5SHZHdkNmVE10bHJEcU5TSWNqQngyUTJ1Rk9nRDdrbDRpa19EQ3p0NVpoc2tpUlZUNl9rMWVqZTNGb01qNzRWN1JFem1DNEpOT21LTGFJV1JuQXhQaQ?oc=5) · Delta Dunklin Democrat
- 2026-02-04 [Kennett to relocate city hall after $500,000 grant - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRXBYUHdtUVRZODZPUksxc3FfN1NuWmF1MWZnc3duY1pXVl9Jam51Y0hrSk9NajB0OThJaTdSalZiWEhZTjB6ZlNyZ25hems4WG82TUhkSVNrbUN0SEJ3M25lM2NzUGFHdlVpbHhBMXpzbmNMR1pZeGI0UWlJdDVzOXN0Tk1VQdIBmgFBVV95cUxNYTRzcXZVYkUtQlFxS0pKVWsyM0ZuT2Q4ZkRCTVZuQm94c0pyaC1FQlZjbVBaclJ2ODh1dnBzMjQ4NVNPbGVta1RtY2hfZUJ4eFh6Z2lOYVIxcDBJYS1VbDF4NDVBUnV0cVNlUjB4YXpXWk55LUswN2xlLWFjYWMycmM5c01qREFhbmxxLWpPamRMbnhvYkNrQmNR?oc=5) · K8 News | Jonesboro, Arkansas
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2025-07-10 [Kennett Ladies Golf Association hosts Cotton Classic - Delta Dunklin Democrat](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSnhWYjVoZWV0eWt0bWR1bEMxNkJ3TzllS0ZlZ2JER1Q2a055cUEwYklnSW5qSW1JNzJjNWhxbzNoXzVjM0x5TW5OeGRxWjV5dzlNcHh1TDFNZTE4NmVPT1JmTnRmSFl2OFdoQVk5YW10SmZFazV0Q296SzJMc01CcGVJRGdkZk9JZ0YtTkR2Q2o3blBHV1pr?oc=5) · Delta Dunklin Democrat
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - Gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · Gizchina.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18879 (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/63.json (key "18879", 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