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This institution is no longer active

Operations ceased on April 22, 2026. CRA examination history below reflects the period it was active.

KEARNEY TRUST COMPANY

KEARNEY, MO · Supervised by FDIC

Est. 1882FDIC #9,794RSSD: FDIC-9794
Part ofTRUSTCO BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.21%

Institution Profile

FDIC BankFind

Address

310 W 92 Hwy, KEARNEY, MO

County

Clay County

Established

June 10, 1882

Total Assets

$325M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$325M

Total Deposits

$288M

Net Loans

$172M

Net Income

$2M

ROA

2.21%

ROE

20.36%

Risk-Based Capital

21.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.90%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$281M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247793.51%3.90%
20238491.67%3.57%
20227291.67%0.00%
20217589.33%2.67%
202073100%0.00%
20196985.51%7.25%
20187290.28%4.17%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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