TellerScore

Kindred State Bank (FDIC certificate #8946) is based in Kindred, North Dakota. Its Q2 2026 call report shows $43.3M in total assets and $39.4M in deposits and 1 office.

Kindred State Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 48% of its 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 25th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (34/100, 8.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.35%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity92/100
Loans ÷ deposits and uninsured-deposit share: 56.6% · 22.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.73%

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 (63 → 73), mostly because the earnings component improved by 20 points.

TellerScore
596774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202472
Q4 202474
Q1 202559
Q2 202563
Q3 202569
Q4 202574
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%7.28%9.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.23%
Q3 20249.14%
Q4 20248.92%
Q1 20257.78%
Q2 20258.04%
Q3 20259.18%
Q4 20259.55%
Q1 20268.48%
Q2 20268.35%
Noncurrent loans
0.13%0.37%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.31%
Q4 20240.13%
Q1 20250.46%
Q2 20250.45%
Q3 20250.61%
Q4 20250.23%
Q1 20260.20%
Q2 20260.13%
Return on assets
0.56%1.02%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.41%
Q4 20241.48%
Q1 20250.56%
Q2 20250.84%
Q3 20251.19%
Q4 20251.30%
Q1 20261.39%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$43.3M8.35%0.13%1.33%56.6%
Q1 202672$47.1M8.48%0.20%1.39%50.1%
Q4 202574$42.9M9.55%0.23%1.30%55.3%
Q3 202569$38.4M9.18%0.61%1.19%64.4%
Q2 202563$43.5M8.04%0.45%0.84%54.9%
Q1 202559$48.8M7.78%0.46%0.56%47.4%
Q4 202474$44.6M8.92%0.13%1.48%54.1%
Q3 202472$37.9M9.14%0.31%1.41%66.2%
Q2 202468$39.2M8.23%0.33%1.18%63.1%

546 peers · Under $100 million in assets

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 ratio8.35%
6th
Total risk-based capital17.04%
68th
Problem loans0.13%
60th
Net charge-offs0.24%
11th
Return on assets1.33%
69th
Net interest margin3.93%
52nd
Efficiency ratio64.8%
64th
Loans to deposits56.6%
63rd
Uninsured deposits22.3%
27th
Loan-loss reserves0.66%
12th
Texas ratio0.7%
60th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Grant County State BankBank Carson, ND91 out of 100, Very strong$46.7M13.9%0.00%vs
Peoples State Bank, Fairmount, N. D.Bank Fairmount, ND70 out of 100, Strong$38.5M8.4%0.00%vs
Rolette State BankBank Rolette, ND78 out of 100, Strong$51.5M9.9%0.04%vs
Aspire BankBank Fargo, ND72 out of 100, Strong$60.9M11.4%0.00%vs
State Bank of LakotaBank Lakota, ND71 out of 100, Strong$64.2M9.6%0.49%vs
Peoples State BankBank Westhope, ND87 out of 100, Very strong$69.9M13.5%0.00%vs

Deposit insurance

Is my money safe at Kindred State Bank?

Yes. Kindred State Bank is an FDIC-insured institution (FDIC certificate #8946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.3% of deposits ($8.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.04% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Kindred State Bank lists 1 office in 1 city. Most locations:

  • Kindred, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
Kindred State Bank
Type
State-chartered bank
FDIC certificate #
8946
RSSD ID
816751
Primary regulator
FDIC
Established
December 1, 1898
Headquarters
411 Elm St, Kindred, ND 58051
Employees
5

Quick answers

Kindred State Bank: common questions

Is Kindred State Bank FDIC insured?

Yes. Kindred State Bank is an FDIC-insured institution (FDIC certificate #8946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kindred State Bank's TellerScore?

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

Has Kindred State Bank ever failed?

There is no failure record for FDIC certificate #8946 in the FDIC failed bank list.

How many branches does Kindred State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kindred

InstitutionScoreAssetsCapitalProblem loansCompare
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Valley Premier BankBank Hawley, MN81 out of 100, Strong$141.0M11.1%0.00%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs