Lead Bank
Kansas City, MO · Cert 8283 · Peer group: banks $1B-$10B in assets (n=322-328) · Luna Parent Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$2.8BAssets
$1.1BLoans
$2.5BDeposits
$244.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets (rank 8 of 328).
- Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets (rank 308 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.54%
Rank 77 of 328
Net Interest Margin
6.70%
Rank 8 of 328
Efficiency Ratio
80.77%
Rank 309 of 328
Equity / Assets
8.84%
Rank 264 of 328
Non-interest income vs. expense
Unfavorable gap of $89.5M · efficiency ratio beats 6% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.91% | 1.22% | 1.52% | Beats 77% | 77 / 328 | | |
| Return on Equity | 17.45% | 8.43% | 11.45% | 14.43% | Beats 89% | 35 / 328 | | |
| Net Interest Margin | 6.70% | 3.03% | 3.45% | 3.83% | Beats 98% | 8 / 328 | | |
| Efficiency Ratio | 80.77% | 51.61% | 59.56% | 67.53% | Beats 6% | 309 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.26% | 0.24% | 0.51% | 1.03% | Beats 5% | 308 / 322 | | |
| Net Charge-Offs / Loans | 0.54% | 0.01% | 0.03% | 0.10% | Beats 6% | 304 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 20.33% | 11.75% | 13.15% | 15.47% | Beats 91% | 30 / 328 | | |
| Total Risk-Based Capital Ratio | 21.60% | 12.63% | 14.15% | 16.46% | Beats 91% | 28 / 328 | | |
| Equity / Assets | 8.84% | 9.15% | 10.33% | 12.01% | Beats 20% | 264 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.11% | 76.63% | 87.92% | 95.36% | 3rd pctl | 312 / 323 | | |
| Loans / Assets | 41.17% | 65.18% | 74.15% | 79.98% | 5th pctl | 311 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |