# KEARNEY TRUST CO
KEARNEY, MO · FDIC certificate 9794 · asset band $300M-1B · latest filing 2026-03 · stopped filing (departed)

**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 | $325.1M | |
| Deposits | $287.8M | |
| Loans and leases | $175.0M | |
| Total equity | $35.3M | |
| Loans / deposits | 59.92% (p13 of band) | 80.78% |
| Liquid assets / assets | 45.84% (p89 of band) | |
| Uninsured deposits / deposits | 20.73% (p30 of band) | 25.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p12 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.74% (p67 of band) | 10.64% |
| Unrealized securities loss / equity | -5.50% (p61 of band) | -8.46% |
| AOCI / equity | -2.11% (p12 of band) | |
| ROA (annualized) | 2.21% (p91 of band) | 1.22% |
| Net interest margin | 3.92% (p54 of band) | 3.83% |
| Efficiency ratio | 46.81% (p12 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.42% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 67.23% (p68 of band) | |
| Auto loans | $3.1M (1.75% of loans; DQ 2.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-29 [HNB National completes its acquisition of Kearney Trust - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUEJscHdGdDN3NzhSOWdLZGJCSDVXTmFxeGVwOVpMclBMUEZwY3FjdWg4eXUxekwwb3k2WVREMjZGSmlFV3NRaTVPb21CclJ3SUg0cTBmc1dGZTVDOElRNXlyd2FVZ3pfQ2lVb3BnNDVCa3lQZlZLeFJmT2llMzBlYktRRlJaTkxmOGRRWVpVSDZzVG9HRnF5c1hjdGZDQzF0WEN1MlAzRHZEMkFG?oc=5) · The Business Journals
- 2026-01-14 [Kearney Trust Co. agrees to sell to Hannibal-based HNB National Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxONkE3THdsMDExLWR5S05kQWFHRUt2dzFOSTBDRGppR1kzRTdSSFRxeVc5dmd3MHpHSGV6LXVSdmFwdEEtclNxTklfWng4SnRmQ25DTWQ1YnVfT0NYaTBjTGRETTlUQld3aEo1NWkwek5FczNsZ2lmZUNMTDRuMjU1Z0xEUnNDaWVWbFdpV1htYUQ1N0tjLUxYZDV6aGZqY0pjMWJ3QW1R?oc=5) · The Business Journals
- 2018-03-07 [After 30 years, CEO steps down at Kearney Trust - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZjFjb2JsVjRxWU5odllBeVJUZmJNMGNoSWJYZ3ptVk8taVhzaGVzektqNHFCR1ZaQ2ttenFIcnFfRWZ1VGQxV294VW5nY0dZN29VY1FlcTBBQ1otX3NSenNRMFZRcjJmVTZSLVlHaE5ZRkJSWEFkWjNDSVNkTGQ4bXhzbHF4ZEV3Zm9xY0VKMFZJeWVqMDE2WTVmR3BuS1VSaW9wLTdtWQ?oc=5) · The Business Journals
- 1985-04-08 [The Rev. Jesse Jackson, saying the nation needed more... - upi.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQaEJMZ0NldU1PenA0LWRPUnpreGhJd3pkaUFBYzRDNVpoTFhQaEg3RU0xUGR2MHByR2R4aWtEaEVXTWxpOXBYUHI2ckdnbWI2aGhkbkJQWG53cklrTm1Pa3R5U1JmT01mUlBkMGJLbWdRYlN1S1htNEE5aERuVDJIcHJXU28yN19yZlhWZ3p0TUw2cHBaX2tCbEpYRzhBcTFpS19QaklJcHN6Z9IBrwFBVV95cUxPWkkwc1gxdGdzMks3WmNIcXFvM1AwV3ZCM0FzTEJzc291YUtZUVBobjFyV0JqdVVrRWlpdWpsbFdGRlhYN2FUS0poX3JpNzJVbzZBa3hmYzN2WTY4Z2lWdTk1d0JOY3NUODFWbTZzcDBFYkdCSGVqVlVjQkEtRmhQcGxKYkRuWlExNWlXZW5fLTFISWhBaU9oLTVPb0NFMWtlcXNNV1NOX0dpVTlhVTdR?oc=5) · upi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9794 (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/2.json (key "9794", 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