Advertisement
Kerndt Brothers Savings Bank
Lansing, IA · FDIC Certificate #8761 · Chartered 01/1
Total assets
$347.22M
Total deposits
$282.84M
Total equity
$37.78M
Net loans
$202.22M
Branches (offices)
6
Net income (YTD)
$4.27M
Rank: #2,263 of 4,213 U.S. banks by assets · #94 of 225 in Iowa. Assets changed 4.4% and deposits 5.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.48% |
| Return on equity | 23.23% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 10.88% |
| Tier 1 leverage ratio | 10.88% |
| Uninsured deposits (share of deposits) | 17.3% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.5% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $169.51M | 83.8% | |
| Commercial & industrial | $9.66M | 4.8% | |
| Consumer / individual | $2.16M | 1.1% | |
| Construction & development | $1.12M | 0.6% | |
| Agricultural | $23.70M | 11.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $343.80M | $304.17M | $1.06M | $27.72M |
| Jun 2023 | $375.91M | $290.94M | $1.02M | $28.98M |
| Jun 2024 | $350.14M | $276.49M | $790.00K | $30.85M |
| Jun 2025 | $332.48M | $268.70M | $562.00K | $33.82M |
| Jun 2026 | $347.22M | $282.84M | $4.27M | $37.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $282.84M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $282.84M.
Similar-sized banks
Heritage Community Bank ($347.77M) · First Southern Bank ($347.21M)
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.
Advertisement