# SUMMIT BANK OF KANSAS CITY
LEES SUMMIT, MO · FDIC certificate 1627 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $51.3M | |
| Deposits | $45.7M | |
| Loans and leases | $38.5M | |
| Total equity | $5.5M | |
| Loans / deposits | 83.69% (p62 of band) | 77.89% |
| Liquid assets / assets | 20.85% (p28 of band) | |
| Uninsured deposits / deposits | 16.14% (p52 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.18% (p30 of band) | 11.44% |
| Unrealized securities loss / equity | 0.00% (p23 of band) | 0.54% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | -0.42% (p3 of band) | 1.03% |
| Net interest margin | 4.75% (p90 of band) | 3.82% |
| Efficiency ratio | 104.15% (p97 of band) | |
| Noncurrent loans | 0.69% (p56 of band) | 0.54% |
| Net charge-offs (annualized) | 0.36% (p95 of band) | |
| Reserve coverage of noncurrent | 72.35% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 44.12% (p76 of band) | |
| Auto loans | $822,000 (2.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | charge-offs p90 |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 4 | expense ratio p90, deposits shrinking, assets shrinking | charge-offs p90, capital falling |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking |
| 2012-09 | 0 |  | losing money, expense ratio p90 |
| 2012-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2013-12 | 6 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-03 | 7 | losing money, expense ratio p90 | charge-offs p90 |
| 2014-06 | 7 | charge-offs p90 | uninsured deposits leaving |
| 2014-09 | 7 |  |  |
| 2014-12 | 8 | capital falling |  |
| 2015-03 | 2 |  | deposits shrinking, assets shrinking, losing money, expense ratio p90, charge-offs p90, capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2015-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2016-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 0 |  | liquid assets <10% |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2017-06 | 2 | capital falling | uninsured deposits leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | liquid assets <10%, reserve under noncurrent | expense ratio p90 |
| 2018-03 | 2 |  | reserve under noncurrent |
| 2018-06 | 1 |  | liquid assets <10% |
| 2018-09 | 5 | expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2018-12 | 6 | losing money |  |
| 2019-03 | 8 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2019-06 | 4 | losing money, charge-offs p90 | noncurrent p90, uninsured deposits leaving, loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-08-16 [Retired Lee’s Summit attorney honored for years of altruism. Here’s what inspired him - Kansas City Star](https://news.google.com/rss/articles/CBMihgFBVV95cUxPRm1hQm9QVWFNX0x6MGcyQkNIOHJXSl9PME9JNnp6MEZTVXlsZjRIYWx6R0lveVdBNUJxNG1NYkg1NVdYTHc5c3U5WFZKODFqQ0FZWVRSNUlqZHdtajlDbEJoZ1hSVFNkZHpUOEpfSVMzeTB5MWxfUHBTWlRPenJJM1VkdkJjUdIBhgFBVV95cUxNYnJkWEFuZ3haUFpHMHc2NGZCRFdHNGNkNzRmYnN4YUx3dHJfQU5hRFVkTUlxRFZSMHFwcm1wT0pjLS0zcW1keS1MQk50Z0psQ3NiT1NLLU9CdWhBS2lYOVRDNXhXWThuQjEwTEplOURfNU9nN25ZQzR0R1pxd004Z25KLXVoUQ?oc=5) · Kansas City Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1627 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "1627", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide