Kerndt Brothers Savings Bank
Lansing, IA
IDRSSD: 665146
Total Assets
$335.71M
Latest filing
Total Deposits
$274.73M
Latest filing
Net Interest Margin
3.02%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Kerndt Brothers Savings Bank
370 Main St
Lansing, IA 52151
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/14/1908FDIC Certificate 5577
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Kerndt Brothers Savings Bank (Main) | 370 Main St | Lansing, IA |
| CLERMONT BRANCH | 200 Mill St | Clermont, IA |
| WEST UNION BRANCH | 205 N Vine St | West Union, IA |
| WAUKON BRANCH | 820 11th Ave Sw | Waukon, IA |
| CEDAR RAPIDS BRANCH | 600 Boyson Rd Ne | Cedar Rapids, IA |
| DECORAH BRANCH | 801 S Mechanic St | Decorah, IA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/14/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52151 |
| State and County Number | 19005 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.kerndtbrothers.com |
| Data Updated | 11/14/2025 |
| CERT | 8761 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $335.71M |
| Total Deposits | $274.73M |
| Total Liabilities | $300.92M |
| Total Equity Capital | $34.79M |
| Net Income | $311.00k |
| Net Loans and Leases | $224.23M |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $3.19M |
| Cash and Balances due from Depository Institutions | $16.50M |
| Deposits Held in Domestic Offices | $274.73M |
Key Performance Ratios
| Return on Assets (ROA) | 0.37% |
| Return on Equity (ROE) | 3.63% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 82.57% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.363% |
| Earning Assets to total Assets | 91.16% |
Income and Expense
| Total Interest Income | $3.97M |
| Total Noninterest Income | $367.00k |
| Total Interest Expense | $1.66M |
| Total Noninterest Expense | $2.22M |
| Net Interest Income | $2.31M |
| Pre-tax Net Operating Income | $364.00k |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.84M |
| Other borrowed funds | $24.52M |
| Federal Funds Sold & Reverse Repurchase Agreement | $544.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.67M |
| Total Liabilities and Capital | $335.71M |
Securities
| Securities | $70.67M |
| Available-for-sale debt securities | $70.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Kerndt Brothers Savings Bank?
$335.71M as of the latest filing.
How much are Kerndt Brothers Savings Bank's total deposits?
$274.73M in total deposits.
Where is Kerndt Brothers Savings Bank located?
Lansing, IA.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
6.
When was it established?
01/14/1908.
What is the Return on Assets (ROA)?
0.37%.
How much are total loans and leases?
$224.23M (latest filing).
What is the total interest income (latest filing)?
$3.97M.