TellerScore

Kensington Bank (FDIC certificate #1409) is based in Kensington, Minnesota. Its Q2 2026 call report shows $446.7M in total assets and $376.2M in deposits and 7 offices.

Based on its Q2 2026 filing, Kensington Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 112th. Its strongest component is problem-loan coverage (92/100; 4.2%), and its lowest is capital cushion (49/100; 9.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.90%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 90.7% · 16.9% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.22%

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 rose 10 points (59 → 69), mostly because the loan quality component improved by 17 points.

TellerScore
495969Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202451
Q4 202449
Q1 202557
Q2 202559
Q3 202557
Q4 202554
Q1 202661
Q2 202669
Tier 1 leverage ratio
5.00%7.45%9.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.87%
Q3 20248.85%
Q4 20248.66%
Q1 20259.02%
Q2 20259.12%
Q3 20259.29%
Q4 20258.94%
Q1 20269.52%
Q2 20269.90%
Noncurrent loans
0.25%1.09%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20241.74%
Q4 20241.93%
Q1 20251.36%
Q2 20251.09%
Q3 20251.36%
Q4 20251.51%
Q1 20261.29%
Q2 20260.58%
Return on assets
0.83%1.11%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.92%
Q4 20240.91%
Q1 20250.95%
Q2 20250.96%
Q3 20251.02%
Q4 20250.98%
Q1 20261.39%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$446.7M9.90%0.58%1.30%90.7%
Q1 202661$450.8M9.52%1.29%1.39%91.8%
Q4 202554$446.4M8.94%1.51%0.98%90.6%
Q3 202557$462.3M9.29%1.36%1.02%88.6%
Q2 202559$452.0M9.12%1.09%0.96%88.3%
Q1 202557$454.5M9.02%1.36%0.95%83.9%
Q4 202449$441.9M8.66%1.93%0.91%85.7%
Q3 202451$448.5M8.85%1.74%0.92%91.4%
Q2 202465$420.2M8.87%0.25%0.83%93.9%

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).

Capital ratio9.90%
29th
Total risk-based capital12.34%
54th
Problem loans0.58%
42nd
Net charge-offs0.45%
6th
Return on assets1.30%
54th
Net interest margin4.35%
73rd
Efficiency ratio50.8%
82nd
Loans to deposits90.7%
25th
Uninsured deposits16.9%
76th
Loan-loss reserves0.71%
8th
Texas ratio4.2%
40th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Star BankBank Maple Lake, MN46 out of 100, Below average$445.8M9.3%2.07%vs
First National Bank MinnesotaBank Saint Peter, MN64 out of 100, Moderate$437.8M9.8%1.12%vs
Foresight BankBank Plainview, MN41 out of 100, Below average$433.8M10.2%3.04%vs
Sterling State BankBank Austin, MN59 out of 100, Moderate$461.9M8.5%0.47%vs
Peoples State Bank of PlainviewBank Plainview, MN66 out of 100, Moderate$429.1M8.9%0.95%vs
Northview BankBank Sandstone, MN74 out of 100, Strong$469.7M10.8%0.46%vs

Deposit insurance

Is my money safe at Kensington Bank?

Yes. Kensington Bank is an FDIC-insured institution (FDIC certificate #1409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.9% of deposits ($63.7M) 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 9.90%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.34% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Kensington Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kensington Bank reported 70 home-loan applications under HMDA (LEI 549300Q9WQZE336R0U94): 56 originated ($10,020,000 total), 3 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kensington Bank
Former names
First State Bank of Kensington
Type
State-chartered bank
FDIC certificate #
1409
RSSD ID
58757
Primary regulator
FDIC
Holding company
Kensington Bcorp Inc
Established
January 1, 1898
Headquarters
11 Central Ave N, Kensington, MN 56343
Employees
60

Quick answers

Kensington Bank: common questions

Is Kensington Bank FDIC insured?

Yes. Kensington Bank is an FDIC-insured institution (FDIC certificate #1409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kensington Bank's TellerScore?

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

Has Kensington Bank ever failed?

There is no failure record for FDIC certificate #1409 in the FDIC failed bank list.

How many branches does Kensington Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kensington

InstitutionScoreAssetsCapitalProblem loansCompare
Eagle BankBank Glenwood, MN89 out of 100, Very strong$226.9M14.3%0.58%vs
Viking Bank, National AssociationBank Alexandria, MN70 out of 100, Strong$330.3M9.2%0.53%vs
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs
Vantage BankBank Kent, MN68 out of 100, Moderate$85.0M8.5%0.35%vs
Magnifi Financial Credit UnionCredit union Melrose, MN68 out of 100, Moderate$2.8B11.0%0.21%vs
Farmers State Bank of HoffmanBank Hoffman, MN67 out of 100, Moderate$36.9M12.6%2.10%vs