# KENDALL BANK
OVERLAND PARK, KS · FDIC certificate 8110 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $211.1M | |
| Deposits | $186.9M | |
| Loans and leases | $177.2M | |
| Total equity | $22.0M | |
| Loans / deposits | 92.67% (p84 of band) | 73.59% |
| Liquid assets / assets | 14.65% (p11 of band) | |
| Uninsured deposits / deposits | 15.56% (p34 of band) | 19.81% |
| Brokered deposits | 30.05% | |
| Wholesale funding | 30.05% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.65% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -0.24% (p86 of band) | -6.57% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 0.77% (p29 of band) | 1.17% |
| Net interest margin | 4.85% (p87 of band) | 3.93% |
| Efficiency ratio | 77.66% (p75 of band) | |
| Noncurrent loans | 3.54% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | -0.16% (p1 of band) | |
| Reserve coverage of noncurrent | 65.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 56.85% (p83 of band) | |
| Auto loans | $54,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $24,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | losing money, expense ratio p90, NIM <2.5% |  |
| 2012-06 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2012-09 | 2 |  | losing money |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | expense ratio p90 |
| 2013-06 | 2 | assets shrinking | capital falling |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 1 |  | assets shrinking, reserve under noncurrent |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | construction >100% equity |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2019-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | construction >100% equity |
| 2020-12 | 1 |  |  |
| 2021-03 | 4 | expense ratio p90, NIM <2.5%, construction >100% equity |  |
| 2021-06 | 3 |  | expense ratio p90 |
| 2021-09 | 4 | expense ratio p90 |  |
| 2021-12 | 5 | leverage <7% |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, expense ratio p90, leverage <7% |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 6 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  | NIM <2.5%, AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 4 | uninsured deposits >50%, capital falling |  |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 2 |  | uninsured deposits >50% |
| 2024-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent | construction >100% equity, securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 4 | losing money, charge-offs p90 | reserve under noncurrent |
| 2025-12 | 5 | brokered >10%, wholesale funding >15%, reserve under noncurrent | capital falling, losing money |
| 2026-03 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2026-06 | 4 |  | uninsured deposits leaving |

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

- 2026-03-31 [Here are KC area's 10 banks with the fastest percentage loan growth in 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMkR4eGp5djZFdEN3VDNKdWNVNkVYY3dQYllobFp5bTc0MXJiLXQxN1pVUE5fOEhwTncwSFV1Mk9iUTAzNnRyR0FlOW93LUE0aUpSZXVGZGNTLU8xc0hGd1BLTGNjSjVhSk5zRWJ3Q2FRTWIxQi1zTDZ4cVBVWEV3R0o3dEJhQnZqaUhvT3ZQM24xV1A2cWhSbUluUmo5aDJUNjV0dWVkWThxQWww?oc=5) · The Business Journals
- 2025-10-22 [These 10 KC-area banks see loan portfolios grow the fastest at midyear - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU0htYlFDX2F6RjV3MjZpd3Nlc2lZaHYwQS1Wd2ZvY3dneC1Ea1RoUkQ0ZUNPVWoxekg5WVFLdnN6Y3RvajE4UE9PTXVIRzJYLTNFRWgwS1BJUnZpaVQybmlabDJJTnNDYjhSWGw0RzFSTVZIQUlDMlVvV0FhQlRhSkhNcDB6YmdhR3JiaVV0Ql94RS14UFhyNC12N2paVkNjdG1vbEhUTzc?oc=5) · The Business Journals
- 2024-10-15 [Kendall Bank acquires State Bank of Spring Hill - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUDNTR3l3T3hVV2FYQ083TlU1a09ncHJKSGZ5UE9USUZSbHlzNkI2UlhQVWFHaC0yRFJveDNjcjRWeU5vV1FmR3VnSlB3VUVKQlNGcUlCT3NWR1FtX3JabVNheWQwRk9TMmRNbUpvZmRfZUs5ZUhhR1hBVVpvRVN5eUhBTXI1ZzlYZ2ZWcy1lbHhZRTdYaktGZUdMUkhEbDU1YU96S2E1X1Jsdk0?oc=5) · The Business Journals
- 2024-07-30 [Linda J. Stansell - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1qbWVCTHZKMmhodzBkQ0RJWjNFLWQ4YlB6bm0yd05zSzFqSUlHY0c5MTlzYVFFR0Vjc2UyQ0o2SDFrS3JkQW5OdFBpOFM0YlhxMXNIUzdMSk1Ya1E?oc=5) · The Topeka Capital-Journal
- 2024-10-28 [Kendall Bank sues Manaia Collective over $1M construction loan - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPOFJjUUZoSk5hR29WeFVEbURuWHE4eWRHdkJjMkZkLVdPSktjc1dmcWxRSDFCNU5zdlBMLXo1S1J5NG5HZmtSbWdFbFlYRjkyNnBZaU1LVWNzX3oxaS1uUVUtOUZLYWZ4UjNTVmhOQkZKdmVQendHTjRkdm4wS0hrczRHTndtYWVtZlVMS2xybGdBWkFqTldiX3I5ekFNT0NBcVRtUnJxYTM1VmFD?oc=5) · The Business Journals
- 2021-03-18 [KC group envisions marrying fintech with community banking to build a powerhouse - Kansas City Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQd3A2c0hqSWZCXzRSS3pOU3ZCSmFTQllRTnA5NEtLRk5ReWdDV0dCNnZFTHU5YTkzdTZjcWNyS2prYkRLUVV4YlJJMlAxRG9tX216YTBhMHk4Z043UWZ2U2RmRHRFbGpNbDZFWmN5QTdBTU1oSG51WnJUV0I4Ql9HMU1Oc0p4YmVDd242MW1RcjhvZkg1dC10SExlWF82aVE?oc=5) · The Business Journals
- 2025-10-24 [List Extra: Run of KC bank M&A shuffles distribution of deposits - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZ2pDNkpvdDV0YmdLcXpNOExwcVFGUi1ocGtOMGhvXzRqVlk4UUg4cTQ0WUtEa3VDWGp1U2liTU9qdEJVVFI2UFFkMW4wVjRLVWIwZEQ1cDQzV0U5bFZtNkUybXMyWUpQWFVNRnZoWlAtMEpzZDRacU1mT2JvRHIyUmRzSlp1MlAwcTlFTW9rdDlSOEpOMS1oZ0JsaUJyckdkbWFOWDZ4V2NBZEFL?oc=5) · The Business Journals
- 2024-04-03 [These 10 KC-area banks grew their loan portfolio the fastest in 2023 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNWjdfdVJTOXJ0THEzVU1iOFdYQ1pjcGJPU3NscnJVLVEtQ1hkMEFPV19VdXlCUndkdUpYOWs2WXVvTVVJMGNMa1BIUVgzVmNTenNTSjJORHpkbTZaUEo0bHB5Zl9SNmFYaWdBM2U4cjZSZEZGeVVKMEIzUC1hUU5DaWpkMU9ZUlhmQ0hlbUIyRDJBR1JzcG9hajRWNS1RQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8110 (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/46.json (key "8110", 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