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Letter portraitLegal landscape

Central Bank of Kansas City

Kansas City, MO · Cert 17009 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Central Bancshares KS Cty Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$410.2MAssets
$323.4MLoans
$336.6MDeposits
$50.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets in the Kansas City, MO-KS area (rank 26 of 40).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.92%

Rank 2 of 40

Net Interest Margin

4.66%

Rank 7 of 40

Efficiency Ratio

37.78%

Rank 3 of 40

Equity / Assets

12.34%

Rank 10 of 40

Non-interest income vs. expense

$7.3M$9.9MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 95% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 37.78%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.92%1.02%1.39%1.86%Beats 95%2 / 40
Return on Equity23.67%10.74%14.78%21.32%Beats 88%5 / 40
Net Interest Margin4.66%3.33%4.05%4.63%Beats 83%7 / 40
Efficiency Ratio37.78%51.70%58.10%69.29%Beats 95%3 / 40
Asset Quality
Nonperforming Loans / Loans0.13%0.05%0.20%1.11%Beats 64%15 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio11.95%11.32%12.27%16.94%Beats 43%23 / 40
Total Risk-Based Capital Ratio11.95%11.32%13.09%17.63%Beats 35%26 / 40
Equity / Assets12.34%8.41%10.10%12.34%Beats 75%10 / 40
Liquidity & Funding
Loans / Deposits96.09%73.50%85.60%94.85%80th pctl8 / 40
Loans / Assets78.85%62.75%69.87%79.23%73rd pctl11 / 40
Brokered Deposits / Depositsn/aNot reported for this institution