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Kensington Bank
Kensington, MN · FDIC Certificate #1409 · Chartered 01/0
Total assets
$446.70M
Total deposits
$376.19M
Total equity
$44.58M
Net loans
$341.17M
Branches (offices)
6
Net income (YTD)
$2.92M
Rank: #1,917 of 4,213 U.S. banks by assets · #56 of 221 in Minnesota. Assets changed -1.2% and deposits -3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 13.57% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 9.98% |
| Tier 1 leverage ratio | 9.90% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.45% |
| Loans to deposits | 90.7% |
| Real estate loans (share of loans) | 72.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $245.66M | 72.0% | |
| Commercial & industrial | $36.92M | 10.8% | |
| Consumer / individual | $5.04M | 1.5% | |
| Construction & development | $13.76M | 4.0% | |
| Agricultural | $47.97M | 14.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $332.56M | $289.45M | $988.00K | $28.43M |
| Jun 2023 | $384.08M | $309.93M | $2.23M | $31.82M |
| Jun 2024 | $420.24M | $350.01M | $1.72M | $35.67M |
| Jun 2025 | $451.95M | $390.29M | $2.16M | $40.54M |
| Jun 2026 | $446.70M | $376.19M | $2.92M | $44.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $376.19M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $376.19M.
Similar-sized banks
The Bank Of Lafayette, Georgia ($446.78M) · The Peoples Bank ($446.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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