# NBKC BANK
LEAWOOD, KS · FDIC certificate 35014 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $1.24B | |
| Deposits | $1.01B | |
| Loans and leases | $915.6M | |
| Total equity | $209.0M | |
| Loans / deposits | 89.82% (p59 of band) | 87.10% |
| Liquid assets / assets | 17.22% (p33 of band) | |
| Uninsured deposits / deposits | 7.67% (p3 of band) | 30.76% |
| Brokered deposits | 7.47% | |
| Wholesale funding | 7.87% (p57 of band) | |
| FHLB advances / assets | 0.40% | |
| Tier 1 leverage | 17.13% (p96 of band) | 10.50% |
| Unrealized securities loss / equity | -3.98% (p69 of band) | -7.75% |
| AOCI / equity | -0.50% (p35 of band) | |
| ROA (annualized) | 2.23% (p93 of band) | 1.26% |
| Net interest margin | 3.79% (p55 of band) | 3.70% |
| Efficiency ratio | 77.21% (p91 of band) | |
| Noncurrent loans | 1.45% (p83 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 88.97% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 28.43% (p28 of band) | |
| Auto loans | $316,000 (0.03% of loans; DQ 3.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 364 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, losing money, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | expense ratio p90 |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 3 |  | losing money, noncurrent p90, expense ratio p90 |
| 2012-03 | 3 |  |  |
| 2012-06 | 4 | deposits shrinking |  |
| 2012-09 | 3 |  | deposits shrinking |
| 2012-12 | 3 | deposits shrinking | reserve under noncurrent |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 6 | capital falling, losing money, expense ratio p90 | deposits shrinking |
| 2014-06 | 4 |  | assets shrinking, capital falling |
| 2014-09 | 4 | reserve under noncurrent | losing money |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 2 |  | expense ratio p90, reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | deposits shrinking |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling, expense ratio p90 | deposits shrinking |
| 2016-09 | 1 |  | wholesale funding >15%, capital falling, expense ratio p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | expense ratio p90, assets shrinking | NIM <2.5% |
| 2017-06 | 2 | wholesale funding >15% | assets shrinking |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 | uninsured deposits leaving | capital falling |
| 2018-03 | 3 | deposits shrinking | expense ratio p90 |
| 2018-06 | 2 | loans exceed deposits | uninsured deposits leaving, deposits shrinking |
| 2018-09 | 3 | capital falling, expense ratio p90 | loans exceed deposits |
| 2018-12 | 3 | loans exceed deposits | capital falling |
| 2019-03 | 0 |  | wholesale funding >15%, expense ratio p90, loans exceed deposits |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | wholesale funding >15% |  |
| 2020-03 | 2 | NIM <2.5% |  |
| 2020-06 | 1 |  | wholesale funding >15% |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 1 |  | uninsured deposits leaving, expense ratio p90, deposits shrinking, assets shrinking |
| 2022-09 | 0 |  | NIM <2.5% |
| 2022-12 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2023-03 | 1 |  | expense ratio p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 2 | deposits shrinking, assets shrinking |  |
| 2025-06 | 0 |  | deposits shrinking, assets shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | expense ratio p90 |  |
| 2026-06 | 2 | reserve under noncurrent |  |

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

- 2026-04-08 [NBKC Bank buys Overland Park building for its new headquarters - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNGhzSDJWb3FQczkxcUl0UXY1ZDFVcHZnSnUzSDg4VGozeTNUcG5UdlgycVl5aDNOamlmTTQtdlhXcjNxOTc0YUstd2FndWxDU1U4ZHpacTQ3UFgyWlhPWGdYeGxXOVpKbTFXNlRUVnM5Q3pXRldmQ1ZXWG9ZdlNnbWpPRl9qNF85S0wybzAyMU05UHd4ZjV1blhJd2xxQW5UTnc?oc=5) · The Business Journals
- 2026-03-04 [NBKC Bank review (2026): Simplify your financial life with convenient, fee-free online banking - Yahoo Finance](https://news.google.com/rss/articles/CBMikwFBVV95cUxQeTNWdGRvRUo0emhSVUxaamhDZEt3WnZvYXYwRVMxWkFEdGczVWIzLTMtcnZUZUphSmhPNVU5RDE0M0ROR1BUaGduVmNpcGFvcG56bWQxRXNlbV9hTHltd1BSWmN6YlFnUXE4X2czSzhXNVRud0JwNEI4QXFrQ3dyLWZRMjBBUVF0MjlNUUJ6VGRlaUU?oc=5) · Yahoo Finance
- 2026-04-30 [Colliers Facilitates nbkc bank’s Acquisition of New Headquarters - Colliers](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYi05Nzg3UlZOS0c0dmdpSnZuWEhTX3dhUV9sNy1Ja0plVy10U01KMHRhRlloSWV2ZWtWLVBqdjI4bDgzOVBWYnhjTVVMaEM4dDRRSHR5WlpRZGViVlVaeUdrZ3N0cmozY2pudmNUYWF5YkhEYnBXbzhDVTBvbUpmSkpXeFU1Zm9qVzhDOHV2Q0FLbkRnV1NvSGJIcE9RTlBKSS1pYkRn?oc=5) · Colliers
- 2026-04-07 [nbkc bank Announces Purchase of New Headquarters Building - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxQeEt6X1c5TW5tVlVoa0VfY0hXam9sOUVqOTZLYkpnMlVNck1vdjhORUpnX1B1blZVNDFyX1Z0U0FxNWtwcEVYV0l1LXRfWnVFWmVfbTVoNWJLZmt4Q3Z5UnU5dVJ6SU04SUVmVW1qbDRUSG1hekViYy1tZVRva3UyY2JEOXJKemR0YThnTUxXVDdWb3pxNjljRy1JdkpTVUtYQllnZExUcWN4YmcxWDF4Yk5zNA?oc=5) · PR Newswire
- 2026-04-08 [nbkc Bank Buys Building for New Kansas City-Area Headquarters - Connect CRE](https://news.google.com/rss/articles/CBMingFBVV95cUxOSUtPOFZTZ2xBMkdtRUZOMjVNMTRRNGVrcUd1b2tMXzExN3g3a2pheVBua0phblBxTlg3dUpXYVRuWEUwYVdjeU9XM2pBeDRQM3hDNERTZjVmVW9aa3V3R05fT1ZvU1MydGFiekRybnRReS1SNGh5M05VQW1VSFFWLWVYN2ZnTWZOQXNzNk1mOEw3TkJuLVNvLXU5RkZNdw?oc=5) · Connect CRE
- 2026-04-09 [nbkc bank Acquires 127,000 SF Headquarters Building in Metro Kansas City - REBusinessOnline](https://news.google.com/rss/articles/CBMiowFBVV95cUxNblVnbktUNy1ER3gzeC1uQWxNaE9nQlJhWWFZR0t0NWo1UURmTnZxbHUwX0lfRG5SX0IyQ0EyY3dfOEd5QWpJQWJKRlVCVkhqalpwN3RJTUxNOExrSVFFbDNIYjd3OEZSaGMwOXR4Q3RSZXVaNFRHZ3VoZWtEVDgzXzcyTWFHSmxoV3BCaTNCYlB1SUN2Q3lVQ09DSExrU0RMbzc4?oc=5) · REBusinessOnline
- 2025-11-18 [NBKC Bank review 2026: A checking account with no fees and high APY (and that’s just the beginning) - Fortune](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5jejN0M1Q5bHFiN2YzOF93X0VfRXU1MExfaHBZOXN0VG1vTFJTZTVIWk5wbkc0R1FNNlg5MzZYTk9ZX0JoVDBRSXQwc085SmtkbE9pRzhXR2Q?oc=5) · Fortune
- 2026-04-30 [Colliers reps nbkc bank in Overland Park acquisition - rejournals.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPOS1Ubzd5SHNBdzVoU2tFdTZWSlp3MUZvb0RMUWo0ZFBuUjBNRTZLRVhUdGhjUTduTmY1aHNsOTR1VzNrbFV6V0RDaXYtZXU4LXpVeFgtWnBwT09nLWJsV1daTWY2Qm5NYUxLVmlVS3NXaVVLNGt3R2JReURrR2FoaUl3?oc=5) · rejournals.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35014 (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/6.json (key "35014", 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