# STATE BANK&TRUST OF KENMARE
KENMARE, ND · FDIC certificate 2057 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $201.1M | |
| Deposits | $182.8M | |
| Loans and leases | $84.6M | |
| Total equity | $14.7M | |
| Loans / deposits | 45.77% (p16 of band) | 73.59% |
| Liquid assets / assets | 56.97% (p85 of band) | |
| Uninsured deposits / deposits | 33.52% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.29% (p55 of band) | |
| FHLB advances / assets | 1.29% | |
| Tier 1 leverage | 9.25% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -27.32% (p16 of band) | -6.57% |
| AOCI / equity | -0.13% (p62 of band) | |
| ROA (annualized) | 1.15% (p49 of band) | 1.17% |
| Net interest margin | 2.66% (p6 of band) | 3.93% |
| Efficiency ratio | 56.07% (p25 of band) | |
| Noncurrent loans | 1.10% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 100.97% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 17.42% (p50 of band) | |
| Auto loans | $951,000 (1.12% of loans; DQ 3.05%, NCO 0.00%) | |
| Loans to nondepository financials | $11,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | leverage <7% |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 1 | leverage <7% |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | noncurrent p90 | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 3 | assets shrinking | reserve under noncurrent |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | capital falling, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2020-09 | 2 | noncurrent p90 | uninsured deposits leaving, capital falling |
| 2020-12 | 1 |  | noncurrent p90 |
| 2021-03 | 3 | capital falling, NIM <2.5% |  |
| 2021-06 | 1 |  | reserve under noncurrent, capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 2 |  | NIM <2.5%, capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, NIM <2.5% |  |
| 2024-06 | 3 | reserve under noncurrent | capital falling |
| 2024-09 | 2 |  | reserve under noncurrent |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 1 |  | NIM <2.5%, capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 2 | capital falling, securities losses >30% of equity |  |
| 2026-06 | 0 |  | capital falling, securities losses >30% of equity |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2057 (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/9.json (key "2057", 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