# CENTRAL BANK OF KANSAS CITY
KANSAS CITY, MO · FDIC certificate 17009 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $410.2M | |
| Deposits | $336.6M | |
| Loans and leases | $323.4M | |
| Total equity | $50.7M | |
| Loans / deposits | 94.90% (p81 of band) | 82.04% |
| Liquid assets / assets | 19.35% (p30 of band) | |
| Uninsured deposits / deposits | 26.43% (p53 of band) | 25.97% |
| Brokered deposits | 6.84% | |
| Wholesale funding | 11.72% (p81 of band) | |
| FHLB advances / assets | 4.88% | |
| Tier 1 leverage | 11.95% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -0.15% (p94 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 2.94% (p97 of band) | 1.28% |
| Net interest margin | 4.78% (p89 of band) | 3.91% |
| Efficiency ratio | 37.78% (p3 of band) | |
| Noncurrent loans | 0.13% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 922.81% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 17.18% (p22 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.4% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 | wholesale funding >15% |
| 2011-09 | 3 | capital falling | noncurrent p90 |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 5 | charge-offs p90 |  |
| 2012-09 | 3 |  | uninsured deposits leaving, charge-offs p90 |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 3 | capital falling, deposits shrinking |  |
| 2014-03 | 1 |  | capital falling, deposits shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 | reserve under noncurrent | capital falling |
| 2015-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 2 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 2 | brokered >10%, wholesale funding >15% | reserve under noncurrent, charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | brokered >10%, wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2018-06 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2018-09 | 1 | brokered >10% |  |
| 2018-12 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2019-03 | 3 | liquid assets <10% | wholesale funding >15% |
| 2019-06 | 4 | uninsured deposits >50%, wholesale funding >15%, run vulnerability | loans exceed deposits, liquid assets <10% |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 6 | capital falling, reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2020-12 | 5 |  | run vulnerability |
| 2021-03 | 4 |  | reserve under noncurrent |
| 2021-06 | 4 | uninsured deposits leaving | uninsured deposits >50% |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 | uninsured deposits >50% | uninsured deposits leaving |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | uninsured deposits leaving | uninsured deposits >50% |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | wholesale funding >15% |
| 2024-06 | 2 | loans exceed deposits, deposits shrinking | brokered >10%, uninsured deposits leaving, capital falling |
| 2024-09 | 1 |  | loans exceed deposits |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 1 | loans exceed deposits | deposits shrinking, assets shrinking, capital falling |
| 2025-09 | 0 |  | loans exceed deposits |
| 2025-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2026-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2026-06-10 [Central Bank of KC: A 75-Year Legacy on Independence Avenue - Northeast News KC](https://news.google.com/rss/articles/CBMilgFBVV95cUxObTZ5RjRlVFhtTDhGQnhuTlVwV2w4a2NrTXRFUjlZUFdDNlljbWJlQTRIMVhhbHJncG9FQ1hQeWJWa0x6WXJxSldzel9lRVdJWDNGVjlBRk0xclVJQXA2QkNGRTZnNXFwakF3cXBXaExSazFsNjlQQzR4QWxOOGVPNUl2S1I2UjJmV21lcTZ1LW9PRkNrbEE?oc=5) · Northeast News KC
- 2026-07-27 [Steve Morgan Obituary (2026) - Kansas City, MO - Passantino Bros. Funeral Home - Kansas City - AL.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPX2xULXRHQ3llLW1sVzRIV0lUSGo5dGZMUE5TMTk4Y2pseWR6OTk4cDVMOFVhN0lUMDJ1QV9JbF9ULThxNzF4TjB4UmlQYklnUTAyVlBxdDBsS2V5cGlDV09kcDliT0Qtbm53b1U5bHJDbmVaYU56ZHU3UHZpWXNRdnRDX2JyaVp1TzlZ?oc=5) · AL.com
- 2025-10-02 [CoBuild founder razes his social venture; now he’s banking its mission’s success on a new blueprint - Startland News](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBhRmMyZ3o1d3FlY3I3VVVhWFBJMTQ3M0JyWnJpcHFhRWZyck1lOFZDenZtU1FzZER1VVVxc2lHbDBRczkyVUh6bXY2UVdkTWk4cnBNYWZPLURsWGJhX0E?oc=5) · Startland News
- 2021-06-09 [Anthony Sommers - Meyers Funeral Chapel Kansas City MO](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9yMGVna2wxSDBpZEM3aGRjdFVwQm1NbUI0TU1DaTF3MllTSGg5V05PQ0Q5Nm1SVTc2NUpQdlA1c09jeDlGR18wNTVMTTV3V3NRVlpMdTRFSWYzSmxo?oc=5) · Meyers Funeral Chapel Kansas City MO
- 2025-04-02 [These are the Kansas City area's five strongest midsize banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZkJNb2VMd09oS1lsWDBwcFhiTmRaR2dVXzRwMkhiZTFhWkRidFdkd0pKX29VN2FFeGdkcVFLQW0wZ0I4T0JsNEZSLU1Wa0xVVTNQcWdJNFhxbFJlWjdLd2pTMzBEZi0tR0FjQzlBUXpLb0dXWGg2R0RXTkxqMXBfOEVMclFjVXF3empSWDVXNmIzamlfMkhaYnd2di1UNkg4ZEE?oc=5) · The Business Journals
- 2023-11-01 [Central Bank of Kansas City: a 72 year tradition focused on community - Northeast News KC](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNFpPOEdlVE05WloyMkJOTW1RUTRYX2Y2S0NzVUpQLVBfWVZaTzdhNVMyVzl3ZGxaUjRyTmxsVkU0a0Q3T212MC1BZVd2bXpjd2gxQlVDZ3JvYUtQcW5qQVFraEdScmlDOU04XzJZR2xEM00zc2lSX2dRZ2RCcHpEWWZkd0dMRkJFajBlR1BMLUIwQTUtMWo2ZldnUDBFX2lCc0Jn?oc=5) · Northeast News KC
- 2024-02-11 [It's Your Business includes new hires, promotion and Topeka Presbyterian Manor award - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPV2ttUlhUVUFIUk0wT01zbmQwYXBleWQ5T2JUbVJsTlFISkljX3JhcmFpNmFXaEhEYURIQXpVNG5KT2Vkd2pkRE9jTlZwZ2dVSkZCSG55bVRtcjh3Y2s4V2ZmZXRidWowSDhmeHFSenRsR05qaXV3WGhaQzA1UzdqSUVqTUk4R1ZPeDlSTEJjeWZ1ODJpQTJzdWJmcVlleGxNb2hCVnU2NXNWWnBncUJER2JyMUJmN3drdnlBSkZZV3hDN3BxWUo0QmhkMXVyOC1COExDRVBXdkNsemZGLVhv?oc=5) · The Topeka Capital-Journal
- 2018-05-05 [Thomas Black Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPM0pIbVNHU0FGajFBZ0tldlBDSG45dGRSdDB0bTVTdEFTZkpnSlc2NVJPMVpCTXlhZEdfZnhGVkNfczZjZUpzU3g0Rk41bFVLSjZIenJSTlhZVDBMQW1DR25pRXllWWdVYUJicE5NN3V3bHpvMllZYkh3NUg4UTdkenE2YWc?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17009 (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/49.json (key "17009", 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