Headquartered in Kennett, Missouri, Kennett Trust Bank is a state-chartered bank with $122.1M in total assets and $97.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1963.
Kennett Trust Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 183rd. Funding & liquidity contributes the most (82/100, 79% loans-to-deposits, 9% uninsured); loan quality contributes the least (12/100, 2.65%).
TellerScore · Q2 2026
Scorecard
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 11 points (60 → 49), mostly because the loan quality component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 50 |
| Q4 2024 | 51 |
| Q1 2025 | 57 |
| Q2 2025 | 60 |
| Q3 2025 | 49 |
| Q4 2025 | 41 |
| Q1 2026 | 44 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.71% |
| Q3 2024 | 10.74% |
| Q4 2024 | 10.75% |
| Q1 2025 | 10.82% |
| Q2 2025 | 10.86% |
| Q3 2025 | 11.25% |
| Q4 2025 | 10.67% |
| Q1 2026 | 10.87% |
| Q2 2026 | 11.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 2.38% |
| Q4 2024 | 2.42% |
| Q1 2025 | 1.76% |
| Q2 2025 | 1.91% |
| Q3 2025 | 3.90% |
| Q4 2025 | 4.39% |
| Q1 2026 | 4.99% |
| Q2 2026 | 2.65% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.51% |
| Q2 2025 | 1.06% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $122.1M | 11.35% | 2.65% | 0.53% | 78.7% |
| Q1 2026 | 44 | $126.8M | 10.87% | 4.99% | 0.58% | 71.1% |
| Q4 2025 | 41 | $127.0M | 10.67% | 4.39% | 0.23% | 69.9% |
| Q3 2025 | 49 | $129.2M | 11.25% | 3.90% | 0.92% | 72.3% |
| Q2 2025 | 60 | $131.9M | 10.86% | 1.91% | 1.06% | 70.6% |
| Q1 2025 | 57 | $130.5M | 10.82% | 1.76% | 0.51% | 69.7% |
| Q4 2024 | 51 | $136.9M | 10.75% | 2.42% | 0.45% | 62.6% |
| Q3 2024 | 50 | $128.8M | 10.74% | 2.38% | 0.42% | 68.3% |
| Q2 2024 | 60 | $130.0M | 10.71% | 1.17% | 0.35% | 70.9% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of Nevada, MissouriBank Nevada, MO | 82 out of 100, Strong | $122.2M | 16.1% | 0.95% | vs |
| The Hamilton BankBank Hamilton, MO | 74 out of 100, Strong | $119.8M | 9.3% | 0.47% | vs |
| Citizens Bank of RogersvilleBank Rogersville, MO | 75 out of 100, Strong | $125.2M | 11.4% | 0.41% | vs |
| HomePride BankBank Mansfield, MO | 68 out of 100, Moderate | $125.3M | 10.3% | 0.50% | vs |
| Metz Banking CompanyBank Nevada, MO | 85 out of 100, Very strong | $117.3M | 11.6% | 0.00% | vs |
| Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO | 76 out of 100, Strong | $116.7M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Kennett Trust Bank?
Yes. Kennett Trust Bank is an FDIC-insured institution (FDIC certificate #18879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.0% of deposits ($8.8M) 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 11.35%, well 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%).
1 location
Branches
Kennett Trust Bank lists 1 office in 1 city. Most locations:
- Kennett, MO (1)
Identity & history
Profile
- Legal name
- Kennett Trust Bank
- Former names
- Kennett National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18879
- RSSD ID
- 795959
- Primary regulator
- FDIC
- Holding company
- Kennett Bancshares Inc
- Established
- September 7, 1963
- Headquarters
- 917 1st St, Kennett, MO 63857
- Website
- www.kennetttrustbank.com
- Employees
- 18
Quick answers
Kennett Trust Bank: common questions
Is Kennett Trust Bank FDIC insured?
Yes. Kennett Trust Bank is an FDIC-insured institution (FDIC certificate #18879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kennett Trust Bank's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Kennett Trust Bank ever failed?
There is no failure record for FDIC certificate #18879 in the FDIC failed bank list.
How many branches does Kennett Trust Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kennett
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of New MadridBank New Madrid, MO | 92 out of 100, Very strong | $116.6M | 14.1% | 0.04% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Sterling BankBank Poplar Bluff, MO | 78 out of 100, Strong | $1.6B | 11.1% | 0.35% | vs |
| Focus BankBank Charleston, MO | 75 out of 100, Strong | $854.1M | 12.6% | 0.85% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |
| First National BankBank Paragould, AR | 71 out of 100, Strong | $2.6B | 11.1% | 0.19% | vs |