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State Bank & Trust Of Kenmare
Kenmare, ND · FDIC Certificate #2057 · Chartered 01/0
Total assets
$201.09M
Total deposits
$182.80M
Total equity
$14.71M
Net loans
$83.68M
Branches (offices)
3
Net income (YTD)
$1.13M
Rank: #2,967 of 4,213 U.S. banks by assets · #34 of 60 in North Dakota. Assets changed 10.6% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 16.22% |
| Net interest margin (YTD) | 2.66% |
| Equity to assets | 7.31% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 33.5% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 45.8% |
| Real estate loans (share of loans) | 60.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $50.57M | 60.4% | |
| Commercial & industrial | $17.05M | 20.4% | |
| Consumer / individual | $2.12M | 2.5% | |
| Construction & development | $2.56M | 3.1% | |
| Agricultural | $14.43M | 17.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $159.98M | $148.17M | $431.00K | $8.22M |
| Jun 2023 | $157.19M | $143.92M | $519.00K | $8.44M |
| Jun 2024 | $172.60M | $158.85M | $439.00K | $8.67M |
| Jun 2025 | $181.80M | $166.85M | $716.00K | $11.16M |
| Jun 2026 | $201.09M | $182.80M | $1.13M | $14.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $182.80M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $182.80M.
Similar-sized banks
Peoplestrust Bank ($201.21M) · Keen Bank, National Association ($201.07M)
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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