State Bank & Trust of Kenmare
4 2nd St Nw, Kenmare, ND 58746
Financial Overview
Financial Health Analysis
State Bank & Trust of Kenmare is a currently active agricultural specialization banking institution headquartered in Kenmare, North Dakota. Established in 01/01/1925, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, State Bank & Trust of Kenmare manages $197.7M in total assets and holds $180.8M in customer deposits. When evaluating the stability of State Bank & Trust of Kenmare, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 6.76%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.96%, while its Return on Equity (ROE) sits at 13.85%. These robust metrics contribute to an overall health score of 8.6 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$60.3M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.