Kennett Trust Bank: how it compares with its peers
Against 77 MO banks with half to twice its assets, Kennett Trust Bank's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.53% vs. 1.24%).
| Measure | Kennett Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.53% | 1.24% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.17% | 4.01% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.56% | 61.35% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.0M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.69% | 75.37% | Context |
What it means for lending operations
Its efficiency ratio of 80.56% is above the 61.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Nevada, Missouri Nevada, MO · $122M
- The Hamilton Bank Hamilton, MO · $120M
- Citizens Bank of Rogersville Rogersville, MO · $125M
- HomePride Bank Mansfield, MO · $125M
- Metz Banking Company Nevada, MO · $117M
- Bank of Brookfield - Purdin, National Association Brookfield, MO · $117M
Questions about Kennett Trust Bank
How big is Kennett Trust Bank?
Kennett Trust Bank, established in 1963, is headquartered in Kennett, MO. It reported $122M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Kennett Trust Bank's return on assets?
0.53% annualized in Q2 2026, against a 1.24% median for 77 MO banks with half to twice its assets, ahead of 8% of them.
What is Kennett Trust Bank's efficiency ratio?
80.56% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 61.35%, and lower is better.
Is Kennett Trust Bank growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits shrank 11.8%.
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 MO 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 Missouri bank ranked.