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Kentland Federal S&L

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Kentland Federal S&L Rates & Review September 2026

Q: How many branches does Kentland Federal S&L operate?

Kentland Federal S&L currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Kentland Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kentland Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Kentland Federal S&L rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Kentland Federal S&L, and you can see how they compare in the Kentland Federal S&L rate tables below. Kentland Federal S&L no longer files call reports with the FDIC (FDIC record ended July 10, 2026), so MonitorBankRates does not currently rate it. The figures below are from its last report and are shown for reference only. Database rates last updated and verified on 09/23/2026.

Kentland Federal S&L money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kentland Federal S&L? Share your experience about Kentland Federal S&L by leaving a review below, or read customer reviews before you decide to use Kentland Federal S&L.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Kentland Federal S&L

116 N 3rd St
Kentland, IN 47951

Current Rate Availability

We're not currently displaying rates for Kentland Federal S&L, but our database is updated constantly, so check back soon for the latest offers.

Are you with Kentland Federal S&L? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Kentland Federal S&L’s Texas Ratio rose from 0.00% in Q3 2023 to 328.36% in Q1 2026, so its financial health has weakened over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 1.0 and its Health Grade from A+ to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$4M	328.36%	1.0	F
December 31, 2025	$4M	196.43%	1.0	F
September 30, 2025	$3M	158.99%	1.0	F
June 30, 2025	$3M	78.13%	1.0	F
March 31, 2025	$3M	92.62%	1.0	F
December 31, 2024	$3M	75.33%	1.0	F
September 30, 2024	$3M	66.18%	1.0	F
June 30, 2024	$3M	79.93%	1.0	F
March 31, 2024	$3M	74.51%	1.0	F
December 31, 2023	$3M	65.20%	1.0	F
September 30, 2023	$3M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Kentland Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Kentland Federal S&L rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kentland Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Kentland Federal S&L

FDIC Certificate # 28722

Address 116 N 3rd St, Kentland, IN 47951 · Newton

Website N/A

Established 01/01/1920

FDIC Insurance Date 08/09/1989

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

N/A

Overall Health Grade No current filing

N/A

Not Rated No current filing

N/A

Texas Ratio Nat'l avg: 5.85%

Kentland Federal S&L no longer files call reports with the FDIC (FDIC record ended July 10, 2026), so MonitorBankRates does not currently rate it. The figures below are from its last report and are shown for reference only.

Return on Assets (ROA) -1.6360%

Return on Equity (ROE) -12.7400%

Non-Performing Loans (NPL) 0.00%

Total Assets $3,924,000

Total Deposits $3,691,000

Equity Capital $193,000

Net Income $-227,000

Headquarters Kentland

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Kentland Federal S&L

How many branches does Kentland Federal S&L operate?

Kentland Federal S&L currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Kentland Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kentland Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does Kentland Federal S&L offer online and mobile banking?

Most modern institutions like Kentland Federal S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.