Kentland Federal Savings and Loan Association
Kentland, IN·RSSD 382274·FDIC 28722·bank:382274·Risk-based ratios where reported
- #91 of 91Total assets in Indiana
- 1offices
- 2employees
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Kentland Federal Savings and Loan Association
7 of 19 FORFI signals stand out against 591 similar banks, based on FDIC data for the quarter.
Net interest margin widening faster than peersStrength: Earnings2.19%peers 3.84%-164 bps
Kentland Federal Savings and Loan Association's net interest margin rose 150 bps over the past year to 2.19%. Among 580 similar banks, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 2.19% | 3.84% | -164 bps |
| 12-month change | ||
| +150 bps | +15 bps | +135 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Kentland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Deposit costs falling faster than peersStrength: Funding3.20%peers 1.51%+169 bps
Kentland Federal Savings and Loan Association's cost of all deposits fell 127 bps over the past year to 3.20%. Among 545 similar banks, the median fell 8 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.20% | 1.51% | +169 bps |
| 12-month change | ||
| -127 bps | -8 bps | -118 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Kentland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital1.66%peers 13.02%-11.4 pp
Kentland Federal Savings and Loan Association's leverage ratio fell 5.8 percentage points over the past year to 1.66%. Among 586 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 1.66% | 13.02% | -11.4 pp |
| 12-month change | ||
| -5.8 pp | +0.1 pp | -5.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Kentland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median holds steadyStrength: Asset quality6.30%peers 0.37%+593 bps
Kentland Federal Savings and Loan Association's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 167 bps over the past year to 6.30%. Among 527 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 6.30% | 0.37% | +593 bps |
| 12-month change | ||
| -167 bps | 0 bps | -167 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Kentland Federal Savings and Loan Association itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposit costs among the highest of similar banksFunding
- Return on assets rising faster than peersEarnings
- Net charge-offs falling while the peer median holds steadyAsset quality
Key facts
- Kentland Federal Savings and Loan Association is a bank headquartered in Kentland, Indiana. It reported $3.7 million in total assets for the quarter ended March 31, 2026.
- Deposits totaled $3.7 million, up 20.2% from a year earlier, and loans totaled $3.5 million, up 23.1%.
- Its net interest margin was 2.19% and its annualized return on assets was -4.84% for the quarter.
- Its cost of all deposits was 3.20%, compared with a median of 1.51% among 551 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Kentland Federal Savings and Loan Association's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Kentland Federal Savings and Loan Association · Bank
- Federal Reserve RSSD
- 382274
- FDIC certificate
- 28722
- Reporting period
- Peer group
- 591 banks with under $100 million in assets that filed FDIC data for the same quarter. Kentland Federal Savings and Loan Association itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$45K | — | |
| $48K | — | |
| $29K | — | |
| $19K | — | |
| $1K | — | |
| $61K | — | |
| $4K | — | |
| $4K | — | |
| -4.84% | -4.77%ROAQ · Quarter | |
| 2.19% | 2.16%NIMYQ · Quarter | |
| 305.00% | 305.00%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.