# SECURITY BANK OF KANSAS CITY KANSAS CITY, KS · FDIC certificate 4705 · asset band $1-10B · latest filing 2026-06 · live **Verdict on the desk:** this could be *run candidate*. 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 | $3.86B | | | Deposits | $3.19B | | | Loans and leases | $2.10B | | | Total equity | $443.9M | | | Loans / deposits | 64.96% (p11 of band) | 87.10% | | Liquid assets / assets | 40.74% (p90 of band) | | | Uninsured deposits / deposits | 35.48% (p62 of band) | 30.76% | | Brokered deposits | 0.00% | | | Wholesale funding | 5.28% (p47 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 12.77% (p82 of band) | 10.50% | | Unrealized securities loss / equity | -36.79% (p6 of band) | -7.75% | | AOCI / equity | -1.28% (p12 of band) | | | ROA (annualized) | 1.56% (p72 of band) | 1.26% | | Net interest margin | 3.26% (p24 of band) | 3.70% | | Efficiency ratio | 48.39% (p20 of band) | | | Noncurrent loans | 0.03% (p8 of band) | 0.51% | | Net charge-offs (annualized) | -0.01% (p5 of band) | | | Reserve coverage of noncurrent | 6263.84% | | | Real estate % of loans | 87% | | | Construction % of loans | 77.49% (p77 of band) | | | Auto loans | $1.0M (0.05% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p35 of band) | | | Deposits YoY | 7.2% | | | Employees | 426 | | ## Flags firing in the latest filing - **securities losses >30% of equity** (`cap_secloss`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent | | | 2011-06 | 3 | noncurrent p90 | | | 2011-09 | 2 | | wholesale funding >15% | | 2011-12 | 1 | | noncurrent p90 | | 2012-03 | 2 | uninsured deposits leaving | | | 2012-06 | 1 | | uninsured deposits leaving | | 2012-09 | 2 | uninsured deposits leaving | | | 2012-12 | 1 | | uninsured deposits leaving | | 2013-03 | 1 | | | | 2013-06 | 1 | | | | 2013-09 | 0 | | reserve under noncurrent | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 1 | reserve under noncurrent | | | 2014-09 | 1 | charge-offs p90 | reserve under noncurrent | | 2014-12 | 1 | | | | 2015-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 | | 2015-06 | 0 | | noncurrent p90, reserve under noncurrent | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 1 | construction >100% equity | | | 2016-09 | 1 | | | | 2016-12 | 0 | | construction >100% equity | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 0 | | | | 2019-06 | 1 | construction >100% equity | | | 2019-09 | 1 | capital falling | construction >100% equity | | 2019-12 | 0 | | capital falling | | 2020-03 | 1 | charge-offs p90 | | | 2020-06 | 0 | | charge-offs p90 | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 1 | | | | 2021-12 | 1 | | | | 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling | | 2022-06 | 4 | charge-offs p90, construction >100% equity | | | 2022-09 | 5 | assets shrinking | | | 2022-12 | 5 | deposits shrinking | assets shrinking | | 2023-03 | 2 | | AOCI drag >20% of equity, charge-offs p90, deposits shrinking | | 2023-06 | 2 | | | | 2023-09 | 2 | | | | 2023-12 | 2 | | | | 2024-03 | 3 | wholesale funding >15% | | | 2024-06 | 3 | | | | 2024-09 | 2 | | wholesale funding >15% | | 2024-12 | 2 | | | | 2025-03 | 2 | | | | 2025-06 | 2 | | | | 2025-09 | 2 | | | | 2025-12 | 1 | | construction >100% equity | | 2026-03 | 1 | | | | 2026-06 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-11-20 [FDIC deposit market share data shows which KC banks dominate which area communities - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOLXJpQ1A4UjZRbWItZVZZdlFzTUJpZGg1V1ZPMW5OWEdiU1hCV2JTTGtoNEljVkUteTVBa21KMVotUFg4VVVOdTNqaU1jci0xSWQ3QlNNak5YckUxcDl2UE4zNjlXMkNRdU1XYV9IUmlqRnowMUVTRzd2ZXZCampralpCRTBwS3NfeC00UHdYT3NZeGFlQ2luOUx0dWhDdUtYWkM5cWZIMA?oc=5) · The Business Journals - 2025-10-24 [Kansas City man charged for mid-week metro bank robberies - FOX4KC.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPVjZIUGR0dXRrMFU4Ni00LTMweUdYVlN3NVJDa0EyemlRSUl2eEJheEZnYXdaanhab1Vfb3RWenRiQ1lJRXVqdHFqRjRGcEpXSEszVTh1QzZ6SGpObXZJNl9qUWF1RTdYOEhvWkxJdkstd3h1RVNJTHdYVGtvRl9EaXFNb1lSd0FVMkHSAY8BQVVfeXFMTVAzNVBhRWYzYllqUmZBbm9HdkpBdEVubmNXSWxsSzlWM2gwRlB2SDFickVWNHByOEFFTXRUYzhYRm1scmJPWGFqOE9CaklvNEhkb3E0aXZ3NzhuOUV0VVZ4c2J3blBBczZITi12RkUyMHVlNlg3bjZySl9oYkJDbGwxTEhILXlqUDU4S1VCMkU?oc=5) · FOX4KC.com - 2024-01-05 [Security Bank of Kansas City (KS) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUS1qckJacVdrVFJXckJpb0hadk43RFE0QnJmcTZTMS1VbHNPdlM0MjgwQWFFaEZLSDM5VW4wcXFOVnNSZDVGTVFWVkNvbk5ndnF1WF90bnl3SGVad0dLWjNQWHQ5T1ZGV2hGOWVVRjRaU2R5TFZmQWFleEJ5T1ZHQ0MwU0xYNlNVcWZfaEhwWWFkZw?oc=5) · SmartAsset - 2025-10-24 [Man wanted in string of Kansas City-area bank robberies arrested Thursday - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMnRodllBOXBrUWctQWs1OXBPY0lyRC1wZGY2b1U2SUdhNkxqTkl2T21seTNGRG1CNmt3T1VzV0JvUVNvTFJRd3pfWGpER2I1eTZRcmhYMWlWSGV2ZWl5cTl3ZWZ2X0ZhRDBBbTFyUFlqMHJ6b2lISmgtX25YN29aWWdmV0hIQzRyV0l2UjhtNUZHVndjWVhLNTlTZGFEOWRhTWYzN2pBS3Y?oc=5) · KSHB 41 Kansas City - 2018-07-05 [Wilbur Hook Obituary Jul 5, 2018 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9Bc0tSSF9SMW5ZS2gyRWNmOUkxeFFyaHVieTRoYjc2eGktTHE5dXM0bTZOT3RvcWQ5NFpTcnp3QXQ2YmVLeWRESGV0dndOakU4NWNaRmpvcU9SR0FTbEE?oc=5) · The Amos Family Funeral Home & Crematory - 2017-01-03 [Completion of BancAbility merger makes Security Bank one of KC's largest banks - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOOTNjLW1zMUZScl9WQ2pzdjVaLXVIS1I0M3k4NkFpZnpTRkFoYnpHVDNmcTkwS0ZVUEFTcnBZUVBGVG42TzVWU2NfbS01akFWTm4xLS14cEhQcGdVZnVQbGtBTmtZNDRyQmNEN3lEckZIM3BNSC1XWDZCVXFUY09Db2lvRWVlYk9WQTBIVlpSSTdVV3Z5ZlJLN2EtRTdkc3lieWdHRA?oc=5) · The Business Journals - 2025-03-03 [Gloria Imogene (Metcalf) Roberts, Age: 91 - porterfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBsbmk3U0pRYUlMcDFyc09laGhuT0FSVHFWOHF5Wm1DVEIydmZENGozUWNzZDhTTW9LTHE4Y2tmeWliNlhYLUh5R0g3aGM4ZDkzb1dPc2ZUOWtXd3R5b2Qxb1VBQ3pIX1dCOTVKNGItem8?oc=5) · porterfuneralhome.com - 2020-03-12 [Kansas psychiatrist files lawsuit against property owner, manager for alleged toxic conditions at Prairie Village office building - Johnson County Post](https://news.google.com/rss/articles/CBMihwJBVV95cUxPUTN6Q2lhVGc2RnczTElETWpRZzVfUjg1UVlKR2t6bG9FOW5ySFVCT3Y0TzVheW96b1RSTUFQWXlvcmhLYUhrczNhaGRka0hOZG1TcTNpR1RrWlVNdHhNeHFlZ0UycHc5YndGX1JDSFNnc243VTd1MXdOMVlGLU1xbTJCcndxMXY1RUZVRVVfYklUSUVLWlljSjhseHhReFI4ZEtVU0NteHloRG8ydG41R3hIQWlFcEFubDRzMWFiUVM2OF9ISkREWGM3bExxR3hpbzFtVHV2ck53MGNQaXZETXFVQUNFbEw1WE5EZ2ZnSXBLYnUxeU9FNFp1cE42Rkhxd3lTVUxwWQ?oc=5) · Johnson County Post ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=4705 (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/33.json (key "4705", 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