North Kansas City, MO · Cert 8888
FDIC · 23 branches
Q3 2025
Market Position · Kansas City, MO-KS · 2025 SOD (annual) · 1.9% share · #9 of 116 inst. · $1.9B of $99.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 1.04% | 1.04% | 1.32% | 1.06% | 1.29% | 1.65% | 0.66% | -67 bps | |
| Return on Equity | 8.12% | 12.14% | 11.57% | 14.61% | 11.31% | 13.22% | 16.39% | 6.44% | -817 bps | |
| Net Interest Margin | 3.34% | 3.22% | 3.40% | 3.51% | 3.58% | 3.67% | 3.83% | 3.95% | +44 bps | |
| Efficiency Ratio | 76.28% | 74.70% | 73.37% | 69.42% | 73.79% | 68.84% | 62.92% | 89.56% | +2,014 bps | |
| Non-Interest Burden | 2.14% | 1.88% | 2.02% | 1.80% | 2.06% | 1.89% | 1.65% | 3.27% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | -1.72% | 2.01% | 6.61% | -1.08% | 4.17% | 1.60% | -2.11% | -872 bps | |
| Loan Growth (YoY) | 1.36% | 2.80% | 7.57% | 9.89% | 9.95% | 11.20% | 11.47% | 7.29% | -260 bps | |
| Deposit Growth (YoY) | -10.24% | -3.92% | 4.23% | 8.84% | 7.97% | 12.28% | 9.55% | 7.45% | -140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 1.04% | 1.05% | 0.92% | 0.67% | 0.55% | 0.68% | 0.47% | -45 bps | |
| Net Charge-Offs / Loans | 0.39% | -0.01% | -0.16% | -0.06% | 0.13% | 0.01% | 0.02% | -0.27% | -21 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.22% | 1.19% | 1.16% | 1.20% | 1.17% | 1.18% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.2x | 1.2x | 1.3x | 1.7x | 2.2x | 1.7x | 2.5x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.83% | 10.04% | 10.38% | 10.18% | 10.36% | 10.76% | 10.98% | 10.55% | +37 bps | |
| Total Risk-Based Capital | 14.41% | 14.71% | 10.38% | 10.18% | 14.21% | 14.67% | 14.69% | 14.68% | +450 bps | |
| Equity / Assets | 8.24% | 8.93% | 9.03% | 9.10% | 9.69% | 9.87% | 10.32% | 10.05% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.80% | 79.23% | 78.71% | 77.25% | 77.19% | 78.47% | 80.09% | 77.14% | -11 bps | |
| Liquid Assets / Assets | 27.40% | 29.56% | 29.96% | 30.66% | 24.64% | 23.82% | 23.29% | 25.17% | -550 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 382% | n/a | n/a |