Kentland Bank: how it compares with its peers
Against 43 IN banks with half to twice its assets, Kentland Bank's strongest measure in Q2 2026 is net interest margin (4.51% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.2M).
| Measure | Kentland Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.09% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.51% | 3.65% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.25% | 64.96% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.2M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.90% | 81.85% | Context |
What it means for lending operations
Its efficiency ratio of 50.25% is better than the 64.96% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank Cloverdale, IN · $419M
- The First National Bank of Monterey Monterey, IN · $431M
- Home Bank SB Martinsville, IN · $433M
- The Garrett State Bank Garrett, IN · $400M
- Grant County State Bank Swayzee, IN · $396M
- Owen County State Bank Spencer, IN · $389M
Questions about Kentland Bank
How big is Kentland Bank?
Kentland Bank, established in 1932, is headquartered in Kentland, IN. It reported $419M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Kentland Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.09% median for 43 IN banks with half to twice its assets, ahead of 77% of them.
What is Kentland Bank's efficiency ratio?
50.25% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 64.96%, and lower is better.
Is Kentland Bank growing its loans?
Net loans grew 11.6% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.