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Kerndt Brothers SB

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Kerndt Brothers SB Rates & Review September 2026

Q: How many branches does Kerndt Brothers SB operate?

Kerndt Brothers SB currently maintains approximately 6 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, Kerndt Brothers SB 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, Kerndt Brothers SB 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

Kerndt Brothers SB's Auto Loan Rates are as low as 6.21%. MonitorBankRates evaluates the financial stability of Kerndt Brothers SB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.50%. Rates last updated and verified on 09/23/2026.

Kerndt Brothers SB 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 Kerndt Brothers SB? Share your experience about Kerndt Brothers SB by leaving a review below, or read customer reviews before you decide to use Kerndt Brothers SB.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kerndt Brothers SB

370 Main St
Lansing, IA 52151

https://www.kerndtbrothers.com

Kerndt Brothers SB Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	6.21%
Details Rates vary based on year of vehicle. Rates effective as of 9/1/2026. APR is the Annual Percentage Rate. A ll rates are subject to change without notice. Rates and terms subject to credit approval. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

Kerndt Brothers SB Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Cash Checking	3.93%	-	4.00%
Min Deposit $50 Min Balance $20,000 Details Qualifications Required: At least 1 ACH credit or ACH payment transaction; At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; 0.20% APY* on the portion of the balance over $20,000.00 resulting in a range of 0.83%-4.00% APY depending on the account's daily balance. APYs accurate as of 09/24/2025. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Free Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $50 Details 0.05% APY* if qualifications aren't met. APYs accurate as of 09/24/2025. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Kasasa Cash Checking	3.93%	-	4.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Rate applies to balances up to $20,000.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Kasasa Cash Checking	0.20%	-	4.00%
Min Deposit $50 Min Balance $20,000 Details Rate applies to balances of $20,000.00+ Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $50 Details Rate applies to all balances if qualifications not met Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Kasasa Saver Savings	0.75%	-	0.75%
Min Deposit $50 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Kasasa Saver Savings	0.20%	-	0.75%
Min Deposit $50 Min Balance $35,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Kasasa Saver Savings	0.05%	-	0.05%
Min Deposit $50 Details All balances if qualifications not met Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kerndt Brothers SB’s Texas Ratio rose from 2.08% in Q3 2023 to 3.50% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
June 30, 2026	$347M	3.50%	5.0	A+
March 31, 2026	$351M	9.40%	5.0	A
December 31, 2025	$335M	13.19%	5.0	A
September 30, 2025	$336M	10.89%	5.0	A
June 30, 2025	$332M	7.87%	5.0	A
March 31, 2025	$337M	10.61%	5.0	A
December 31, 2024	$352M	13.92%	5.0	A
September 30, 2024	$355M	8.14%	5.0	A
June 30, 2024	$350M	3.65%	5.0	A+
March 31, 2024	$377M	1.08%	5.0	A+
December 31, 2023	$371M	1.05%	5.0	A+
September 30, 2023	$375M	2.08%	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 Kerndt Brothers SB 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 Kerndt Brothers SB 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 Kerndt Brothers SB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Kerndt Brothers SB

Bank Holding Company KERNDT BANK SERVICES INC

Address 370 Main St, Lansing, IA 52151 · Allamakee

Website https://www.kerndtbrothers.com

FDIC Certificate # 8761

Established 19080114

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.4797%

Return on Equity (ROE) 23.2300%

Non-Performing Loans (NPL) 0.38%

Total Assets $347,219,000

Total Deposits $282,840,000

Equity Capital $37,779,000

Net Income $4,271,000

Headquarters Lansing

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Kerndt Brothers SB earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Average Rating

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Frequently Asked Questions About Kerndt Brothers SB

How many branches does Kerndt Brothers SB operate?

Kerndt Brothers SB currently maintains approximately 6 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, Kerndt Brothers SB 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, Kerndt Brothers SB provides members with tools to manage their accounts and build a solid financial history.

Does Kerndt Brothers SB offer online and mobile banking?

Most modern institutions like Kerndt Brothers SB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kerndtbrothers.com.