Kendall Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, Kendall Bank's strongest measure in Q2 2026 is net interest margin (4.85% vs. a 3.90% peer median). Its weakest relative measure is efficiency ratio (77.66% vs. 58.90%).
| Measure | Kendall Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.44% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.85% | 3.90% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.66% | 58.90% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $7.0M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.67% | 76.80% | Context |
What it means for lending operations
Its efficiency ratio of 77.66% is above the 58.90% 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 Lyon County State Bank Emporia, KS · $212M
- TriCentury Bank De Soto, KS · $214M
- The Kansas State Bank Ottawa, KS · $208M
- Union State Bank Clay Center, KS · $206M
- Halstead Bank Halstead, KS · $206M
- Carson Bank Mulvane, KS · $220M
Questions about Kendall Bank
How big is Kendall Bank?
Kendall Bank, established in 1927, is headquartered in Overland Park, KS. It reported $211M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Kendall Bank's return on assets?
0.77% annualized in Q2 2026, against a 1.44% median for 80 KS banks with half to twice its assets, ahead of 6% of them.
What is Kendall Bank's efficiency ratio?
77.66% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 58.90%, and lower is better.
Is Kendall Bank growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 0.6%.
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 KS 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 Kansas bank ranked.