Kensington Bank (FDIC #1409): Bank Stress & Real-Estate Credit Exposure
Kensington Bank (FDIC Cert #1409): bank stress 65/100, elevated, STABLE over 7 days; parent KENSINGTON BCORP INC.
Kensington Bank (#1409) lends in 5 counties across 1 state; Kensington Bank (#1409) reaches 86 ZIP codes: Minnesota 5 counties, 86 ZIPs.
Kensington Bank (#1409) largest markets: Stearns County, MN (66 branches, 33 ZIPs) (#1409), Wright County, MN (19 branches, 19 ZIPs) (#1409), Douglas County, MN (17 branches, 17 ZIPs) (#1409), Kandiyohi County, MN (16 branches, 16 ZIPs) (#1409), Grant County, MN (11 branches, 11 ZIPs) (#1409).
Kensington Bank (#1409) reports $446.7 million in total assets; Kensington Bank (#1409) equity $44.6 million (10.0% of Kensington Bank (#1409) assets); Kensington Bank (#1409) domestic deposits $376.2 million; Kensington Bank (#1409) net income $2.9 million; Kensington Bank (#1409) return on assets 1.30%; Kensington Bank (#1409) return on equity 13.57%; Kensington Bank (#1409) net interest income $9.0 million; Kensington Bank (#1409) call report June 30, 2026.
Kensington Bank (#1409) noncurrent real-estate loans 0.50% of its book; Kensington Bank (#1409) residential 1.98%; Kensington Bank (#1409) net charge-offs on real estate 0.68%; Kensington Bank (#1409) residential charge-offs 2.50%.
Kensington Bank (#1409) net interest margin 4.35% against an eight-quarter Kensington Bank (#1409) average of 3.94% (Kensington Bank (#1409) compression -0.41 points); Kensington Bank (#1409) real-estate loans 49.5% of equity; Kensington Bank (#1409) non-residential real estate 250.3% of equity; Kensington Bank (#1409) rate-exposure score 40/100, Kensington Bank (#1409) fixed-rate trap 40/100; Kensington Bank (#1409) risk type credit driven; Kensington Bank (#1409) rate regime rates elevated, Kensington Bank (#1409) snapshot October 19, 2026.
Kensington Bank (#1409) stress score moved from 63 on June 22, 2026 to 64.5 on October 19, 2026; Kensington Bank (#1409) ranged 63 to 64.5 over 116 snapshots.
Kensington Bank (#1409) alerts: 5 counties; top Kensington Bank (#1409) alert scores: Cokato County, MN 23 (low); Herman County, MN 23 (low); Kensington County, MN 23 (low); Sartell County, MN 23 (low); Willmar County, MN 23 (low).