# CENTRAL BANK OF THE MIDWEST
LEES SUMMIT, MO · FDIC certificate 26247 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $4.09B | |
| Deposits | $3.38B | |
| Loans and leases | $2.10B | |
| Total equity | $525.8M | |
| Loans / deposits | 61.52% (p23 of band) | 74.28% |
| Liquid assets / assets | 40.97% (p74 of band) | |
| Uninsured deposits / deposits | 19.53% (p17 of band) | 32.26% |
| Brokered deposits | 0.08% | |
| Wholesale funding | 4.18% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.58% (p24 of band) | 9.58% |
| Unrealized securities loss / equity | 0.13% (p45 of band) | 0.34% |
| AOCI / equity | -0.51% (p67 of band) | |
| ROA (annualized) | 1.21% (p47 of band) | 1.23% |
| Net interest margin | 3.09% (p39 of band) | 3.24% |
| Efficiency ratio | 53.45% (p29 of band) | |
| Noncurrent loans | 0.53% (p60 of band) | 0.38% |
| Net charge-offs (annualized) | 0.08% (p88 of band) | |
| Reserve coverage of noncurrent | 225.05% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 38.33% (p46 of band) | |
| Auto loans | $60.0M (2.85% of loans; DQ 2.82%, NCO 0.01%) | |
| Loans to nondepository financials | $16.5M (3% of equity) (p85 of band) | |
| Deposits YoY | 14.9% | |
| Employees | 414 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2019-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | capital falling | charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |

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

- 2026-05-04 [Drive-thru roof collapses on cars at Sugar Creek bank - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRnJISnpGUW4tMUdGOHg3VktySDQ5R1VCRkFiS0ZKTEdMVWVJYzFQVWlUaWxtc1FmYzVpWXp0WmJkSHBSaHFZOXl0UUtIMUM1dTFQNkdFcGFBam4tVFJxNjhRemZ1WnpFNTRYZ0xvcFo5MHpnTkJXbWV6NTJpVk5Mc3lrNTg2UW5raUZWbWF3?oc=5) · KSHB 41 Kansas City
- 2021-04-05 [Sporting KC announces partnership with Central Bank of the Midwest - Sporting Kansas City](https://news.google.com/rss/articles/CBMijwFBVV95cUxNd3hYS082RU84XzdCR0g0R1JoS25JN2U4Tkg2SUtPRFYtWVgwQ2RpcWlVOG03ekFCXy1mQzQxOTBSWTNmVmtpTExodkUxdEdTWThhT1R4d0hCa01kMGQ4Q25FWERWbjlJTEdSSFY1UlZ3cXBXdVZUcUVySzVMWXpqanc2TTF0c1BwNEZyMWZDbw?oc=5) · Sporting Kansas City
- 2025-10-13 [Central Bank parent plans to go public, fueling its acquisitive history - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVkQwOHJuWlRSZmZqVEVFSGdUbTJuOGVJdVZUMDBhUFlzbXo0amNudG1ob29nTGwxdHZIcWxDeWlqUkpqQmF5OFBOU1VheEFicExwZzRLY0UzZ2VXUTYxeEFxc0dUN1I4eXZnV3ZaUkdxd2s4Q3VYbUE4R2pIMllaMFVLaExkWjA4R2IxbHFPaEpQZ1Z1STJ3?oc=5) · The Business Journals
- 2024-03-22 [Lee's Summit police, FBI investigating robbery at Central Bank of the Midwest - kmbc.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPRDl5UEstY3kxbFl5QnloVEpnVmcwYllnNkRXeGlTSUUtaW1kYXJaQnZydUJqaEYya0U1cGF1blA2VEhGRTE4b1dSQWRTeEF3S1VzM3RZVHoyN19nemtOQWpGX1VaTGJjS0lQdE1YVXFZU2FPY3ZzcFNfY2stbGJjdm9JaHZsa1B6QjhKV3ZOLWlkSHZpX1VqR3NJd1Y1UQ?oc=5) · kmbc.com
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2023-04-11 [Central Bank Sporting Complex grand opening Tuesday in the Northland - KCTV](https://news.google.com/rss/articles/CBMimwFBVV95cUxONTV1NU1TX3JXdGRPb0hRTmpaVVMxd01kTVdmY05lOEdpaE9ITzRmd0hQU3BUTUxMS2N6S0tmbUhORElNYUtqT3hsb0JKRFhlbU5sMTgzUlNBcXdvQmE2NUt6ekY5ajhvbC1KbFk2ZW5HZnVtZFlWS0xvSnYyRjAyQm1XX0FFTV83bkFtcWVSV0hBd21VVWM4VUJJc9IBrwFBVV95cUxQS1pULWRXMnRPUjVKLVhneVZyZmFJRU1tMHhVZlFKRTlnckU1WmhkZ3RRY2g1Xy1fam53ODVEUkhEZTRybVkzX3R4eUU2cEZhM0NUUHQxTm5nWlJBRHY2LUNzb3NndU1XeVJhSXpiOUFqWDZDYWZJSWJBSm4zY25ZbjV1V2dsVVhxQlFpMFZCclhRQUpieDJOcDFoMlJ2RFY5MDFCZ3V1X1VTclYzVEs4?oc=5) · KCTV
- 2022-06-07 [Central Bank of the Midwest signs nearly $4M deal to become official bank of KU, plans to open branch in Kansas Union - Lawrence Journal-World](https://news.google.com/rss/articles/CBMigAJBVV95cUxOZzhiSHl3OHlkZWYxZGcxUUpYdklqNGtnRkIwcWFWNzdGWGEtWTlBMm1iSHBPZnNyNHhPUTJvYllhYmx0Q1ZSWkI2djNOaE9BT1pHN2I1ZTliTlFFZVltemk5UTA4UjlZeHF0VHdBQ18xY1M2WjZ1Q1hoSnBMMy02TnRqMGZBTXZzYjE3OUg5VFhMdktmUDd1aWVmblp0dWZTNnc3SVEyd2UzdDE3YTdDYWlJeUdBZ2FsNmtNdWdYOTlTOFl3cThMRW1IWVVXd2x0M1hHSWRUN3QzZEN6TDR5R2oyRTVfZXhKUXhEZ1JmMUhLZ2V3cGhPeDRLMHVPc3ox?oc=5) · Lawrence Journal-World
- 2018-06-29 [Metcalf Bank to become Central Bank of the Midwest - kansascity.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwRjAwRGw1YV9LelNDanh1WG1PWm5tdkg5MWdHMXUtenkxUTR0Z09GczNMNmcyTVB2dVcxM2lObzJ2dDVERl83eUFYamFJWTZNMDRrTm16cDFmVXFyekQwdlZRV053WUp1OFpNaNIBbEFVX3lxTE5wMGV2VDhOaV9yQkREQ0RMX3RXNi1PMTYzb191ZGZDeDV3aTdZbmwyVTB0Q3ZIVVNmR0VOc1FaNHZhNC1qeUQ1SFlRX1h2am5JaVgxbFNxbHg5Mk9rRl9oTExzbEJyM2F6VHZ6Ng?oc=5) · kansascity.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26247 (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/7.json (key "26247", 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.

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