Headquartered in Kinmundy, Illinois, Kinmundy Bank is a state-chartered bank (fed member) with $80.1M in total assets and $69.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1902.
Based on its Q2 2026 filing, Kinmundy Bank scores 85/100, which we describe as very strong. That is higher than 78% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 34th. Its strongest component is earnings (100/100; 2.14%), and its lowest is loan quality (78/100; 0.67%).
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 rose 2 points (83 → 85), mostly because the funding & liquidity component improved by 3 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 83 |
| Q4 2024 | 78 |
| Q1 2025 | 85 |
| Q2 2025 | 83 |
| Q3 2025 | 86 |
| Q4 2025 | 83 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.71% |
| Q3 2024 | 12.84% |
| Q4 2024 | 12.55% |
| Q1 2025 | 12.77% |
| Q2 2025 | 13.00% |
| Q3 2025 | 13.24% |
| Q4 2025 | 12.83% |
| Q1 2026 | 12.93% |
| Q2 2026 | 13.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.73% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.67% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.85% |
| Q3 2024 | 1.95% |
| Q4 2024 | 1.83% |
| Q1 2025 | 2.58% |
| Q2 2025 | 2.43% |
| Q3 2025 | 2.58% |
| Q4 2025 | 2.46% |
| Q1 2026 | 2.11% |
| Q2 2026 | 2.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $80.1M | 13.04% | 0.67% | 2.14% | 73.1% |
| Q1 2026 | 85 | $76.2M | 12.93% | 0.65% | 2.11% | 73.9% |
| Q4 2025 | 83 | $73.6M | 12.83% | 0.69% | 2.46% | 77.3% |
| Q3 2025 | 86 | $72.2M | 13.24% | 0.42% | 2.58% | 78.0% |
| Q2 2025 | 83 | $68.8M | 13.00% | 0.71% | 2.43% | 79.4% |
| Q1 2025 | 85 | $69.3M | 12.77% | 0.59% | 2.58% | 75.5% |
| Q4 2024 | 78 | $66.0M | 12.55% | 1.00% | 1.83% | 81.1% |
| Q3 2024 | 83 | $66.6M | 12.84% | 0.73% | 1.95% | 77.5% |
| Q2 2024 | 81 | $65.4M | 12.71% | 0.75% | 1.85% | 78.5% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Beardstown Savings s.b.Bank Beardstown, IL | 64 out of 100, Moderate | $79.5M | 10.5% | 1.15% | vs |
| Washington State BankBank Washington, IL | 61 out of 100, Moderate | $79.1M | 9.1% | 1.03% | vs |
| The Atlanta National BankBank Atlanta, IL | 69 out of 100, Moderate | $81.3M | 11.6% | 1.00% | vs |
| The Bank of BourbonnaisBank Bourbonnais, IL | 77 out of 100, Strong | $81.6M | 11.9% | 0.00% | vs |
| First State Bank of OlmstedBank Olmsted, IL | 64 out of 100, Moderate | $78.4M | 12.6% | 2.09% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
Deposit insurance
Is my money safe at Kinmundy Bank?
Yes. Kinmundy Bank is an FDIC-insured institution (FDIC certificate #3805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.5% of deposits ($15.5M) 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 13.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.36% (benchmark: 10%).
1 location
Branches
Kinmundy Bank lists 1 office in 1 city. Most locations:
- Kinmundy, IL (1)
Identity & history
Profile
- Legal name
- Kinmundy Bank
- Former names
- The First National Bank of Kinmundy
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 3805
- RSSD ID
- 489249
- Primary regulator
- FED
- Holding company
- South Central Bcorp Inc
- Established
- February 2, 1902
- Headquarters
- 201 S Madison St, Kinmundy, IL 62854
- Website
- www.kinmundybank.com
- Employees
- 9
Quick answers
Kinmundy Bank: common questions
Is Kinmundy Bank FDIC insured?
Yes. Kinmundy Bank is an FDIC-insured institution (FDIC certificate #3805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kinmundy Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Kinmundy Bank ever failed?
There is no failure record for FDIC certificate #3805 in the FDIC failed bank list.
How many branches does Kinmundy Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kinmundy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Salem School System Credit UnionCredit union Salem, IL | 87 out of 100, Very strong | $2.2M | 30.9% | 0.00% | vs |
| First Community Bank, Xenia-FloraBank Xenia, IL | 86 out of 100, Very strong | $55.5M | 12.0% | 0.22% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Genfed Financial Credit UnionCredit union Akron, OH | 79 out of 100, Strong | $335.9M | 16.8% | 1.38% | vs |
| Farmers State Bank of HoffmanBank Hoffman, IL | 77 out of 100, Strong | $232.1M | 11.9% | 0.17% | vs |