Headquartered in Kenmare, North Dakota, State Bank & Trust of Kenmare is a state-chartered bank with $201.1M in total assets and $182.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1925.
Based on its Q2 2026 filing, State Bank & Trust of Kenmare scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 47th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (42/100; 9.25%).
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 8 points (70 → 62), mostly because the loan quality component weakened by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 67 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.94% |
| Q3 2024 | 9.37% |
| Q4 2024 | 9.16% |
| Q1 2025 | 8.92% |
| Q2 2025 | 9.14% |
| Q3 2025 | 9.28% |
| Q4 2025 | 9.16% |
| Q1 2026 | 9.05% |
| Q2 2026 | 9.25% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.77% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.02% |
| Q2 2026 | 1.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $201.1M | 9.25% | 1.10% | 1.15% | 45.8% |
| Q1 2026 | 71 | $197.7M | 9.05% | 0.02% | 0.96% | 46.5% |
| Q4 2025 | 69 | $191.2M | 9.16% | 0.03% | 0.69% | 50.0% |
| Q3 2025 | 71 | $188.6M | 9.28% | 0.00% | 0.81% | 53.0% |
| Q2 2025 | 70 | $181.8M | 9.14% | 0.00% | 0.79% | 53.7% |
| Q1 2025 | 69 | $184.3M | 8.92% | 0.00% | 0.70% | 49.8% |
| Q4 2024 | 68 | $175.5M | 9.16% | 0.00% | 0.44% | 50.7% |
| Q3 2024 | 67 | $173.5M | 9.37% | 0.44% | 0.71% | 53.9% |
| Q2 2024 | 51 | $172.6M | 8.94% | 1.77% | 0.52% | 49.7% |
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 North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Horizon Financial BankBank Munich, ND | 61 out of 100, Moderate | $201.0M | 10.8% | 1.34% | vs |
| Peoples State Bank of VelvaBank Velva, ND | 73 out of 100, Strong | $210.0M | 9.3% | 0.10% | vs |
| First National Bank and Trust Co. of BottineauBank Bottineau, ND | 83 out of 100, Strong | $175.9M | 13.6% | 0.75% | vs |
| The Goose River BankBank Mayville, ND | 62 out of 100, Moderate | $173.4M | 11.5% | 1.71% | vs |
| Liberty State BankBank Powers Lake, ND | 93 out of 100, Very strong | $159.0M | 13.7% | 0.09% | vs |
| Merchants BankBank Rugby, ND | 65 out of 100, Moderate | $254.3M | 10.6% | 1.25% | vs |
Deposit insurance
Is my money safe at State Bank & Trust of Kenmare?
Yes. State Bank & Trust of Kenmare is an FDIC-insured institution (FDIC certificate #2057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.5% of deposits ($61.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.78% (benchmark: 10%).
3 locations
Branches
State Bank & Trust of Kenmare lists 3 offices in 2 cities. Most locations:
- Kenmare, ND (2)
- Berthold, ND (1)
Identity & history
Profile
- Legal name
- State Bank & Trust of Kenmare
- Former names
- State Bank of Kenmare
- Type
- State-chartered bank
- FDIC certificate #
- 2057
- RSSD ID
- 675659
- Primary regulator
- FDIC
- Holding company
- Jorgenson Holding Co
- Established
- January 1, 1925
- Headquarters
- 4 2nd St Nw, Kenmare, ND 58746
- Website
- www.sbtk.com
- Employees
- 22
Quick answers
State Bank & Trust of Kenmare: common questions
Is State Bank & Trust of Kenmare FDIC insured?
Yes. State Bank & Trust of Kenmare is an FDIC-insured institution (FDIC certificate #2057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank & Trust of Kenmare's TellerScore?
62 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 State Bank & Trust of Kenmare ever failed?
There is no failure record for FDIC certificate #2057 in the FDIC failed bank list.
How many branches does State Bank & Trust of Kenmare have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kenmare
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State Bank at MohallBank Mohall, ND | 75 out of 100, Strong | $80.2M | 11.8% | 0.43% | vs |
| Town and Country Credit UnionCredit union Minot, ND | 64 out of 100, Moderate | $771.1M | 13.1% | 1.63% | vs |
| Dacotah BankBank Aberdeen, SD | 55 out of 100, Moderate | $4.9B | 10.1% | 1.52% | vs |