TellerScore

Kendall Bank (FDIC certificate #8110) is based in Overland Park, Kansas. Its Q2 2026 call report shows $211.1M in total assets and $186.9M in deposits and 4 offices.

Based on its Q2 2026 filing, Kendall Bank scores 39/100, which we describe as low. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 183rd. Its strongest component is funding & liquidity (67/100; 93% loans-to-deposits, 16% uninsured), and its lowest is loan quality (0/100; 3.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.65%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.54%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 92.7% · 15.6% uninsured
Problem-loan coverage52/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 24.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (49 → 39), mostly because the earnings component weakened by 49 points.

TellerScore
305070Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202470
Q1 202552
Q2 202549
Q3 202530
Q4 202544
Q1 202639
Q2 202639
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.45%
Q3 20249.85%
Q4 202410.02%
Q1 20259.71%
Q2 20259.32%
Q3 20257.84%
Q4 20259.15%
Q1 20269.40%
Q2 20269.65%
Noncurrent loans
0.00%1.77%3.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20252.78%
Q2 20253.04%
Q3 20252.48%
Q4 20252.45%
Q1 20263.11%
Q2 20263.54%
Return on assets
-0.93%1.84%4.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.65%
Q4 20240.58%
Q1 20254.61%
Q2 20252.79%
Q3 2025-0.93%
Q4 20250.82%
Q1 20260.73%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202639$211.1M9.65%3.54%0.77%92.7%
Q1 202639$210.7M9.40%3.11%0.73%93.1%
Q4 202544$213.4M9.15%2.45%0.82%94.0%
Q3 202530$212.3M7.84%2.48%-0.93%90.9%
Q2 202549$210.2M9.32%3.04%2.79%89.3%
Q1 202552$219.9M9.71%2.78%4.61%87.0%
Q4 202470$50.0M10.02%0.00%0.58%23.3%
Q3 202469$53.8M9.85%0.00%0.65%21.4%
Q2 202467$58.9M9.45%0.00%0.63%20.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.65%
24th
Total risk-based capital0.00%
24th
Problem loans3.54%
4th
Net charge-offs-0.19%
99th
Return on assets0.77%
22nd
Net interest margin4.85%
89th
Efficiency ratio77.7%
17th
Loans to deposits92.7%
21st
Uninsured deposits15.6%
80th
Loan-loss reserves2.30%
96th
Texas ratio24.1%
4th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Lyon County State BankBank Emporia, KS77 out of 100, Strong$212.5M9.6%0.20%vs
TriCentury BankBank De Soto, KS77 out of 100, Strong$213.8M10.8%0.00%vs
The Kansas State BankBank Ottawa, KS65 out of 100, Moderate$208.4M9.2%0.85%vs
Union State BankBank Clay Center, KS73 out of 100, Strong$206.2M10.3%0.00%vs
Halstead BankBank Halstead, KS69 out of 100, Moderate$205.9M8.6%0.29%vs
Carson BankBank Mulvane, KS70 out of 100, Strong$219.9M8.3%0.02%vs

Deposit insurance

Is my money safe at Kendall Bank?

Yes. Kendall Bank is an FDIC-insured institution (FDIC certificate #8110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($29.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Kendall Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kendall Bank
Former names
The State Bank of Spring Hill
Type
State-chartered bank
FDIC certificate #
8110
RSSD ID
366854
Primary regulator
FDIC
Holding company
Northeast Ks Bancshares Inc
Established
May 17, 1927
Headquarters
11225 College Blvd, Overland Park, KS 66210
Employees
44

Quick answers

Kendall Bank: common questions

Is Kendall Bank FDIC insured?

Yes. Kendall Bank is an FDIC-insured institution (FDIC certificate #8110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kendall Bank's TellerScore?

39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Kendall Bank ever failed?

There is no failure record for FDIC certificate #8110 in the FDIC failed bank list.

How many branches does Kendall Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Overland Park

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs