# H&R BLOCK BANK
KANSAS CITY, MO · FDIC certificate 58124 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $967.9M | |
| Deposits | $494.8M | |
| Loans and leases | $250.6M | |
| Total equity | $400.9M | |
| Loans / deposits | 48.47% (p7 of band) | 82.05% |
| Liquid assets / assets | 72.93% (p98 of band) | |
| Uninsured deposits / deposits | 0.01% (p0 of band) | 19.19% |
| Brokered deposits | 1.44% | |
| Wholesale funding | 1.44% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 32.73% (p99 of band) | 10.09% |
| Unrealized securities loss / equity | 2.75% (p85 of band) | 0.40% |
| AOCI / equity | 0.09% (p87 of band) | |
| ROA (annualized) | 8.54% (p100 of band) | 0.91% |
| Net interest margin | 5.09% (p97 of band) | 3.56% |
| Efficiency ratio | 38.90% (p2 of band) | |
| Noncurrent loans | 30.59% (p100 of band) | 0.80% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 14.03% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 0.00% (p1 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | wholesale funding >15% |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | wholesale funding >15% |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | brokered >10%, charge-offs p90, wholesale funding >15% |
| 2012-06 | 4 | brokered >10%, charge-offs p90 | deposits shrinking, assets shrinking |
| 2012-09 | 5 | wholesale funding >15% |  |
| 2012-12 | 6 | capital falling |  |
| 2013-03 | 6 |  |  |
| 2013-06 | 5 |  | capital falling |
| 2013-09 | 6 | deposits shrinking |  |
| 2013-12 | 8 | assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 6 | capital falling | brokered >10%, charge-offs p90, wholesale funding >15% |
| 2014-06 | 5 |  | capital falling |
| 2014-09 | 6 | charge-offs p90 |  |
| 2014-12 | 7 | loans exceed deposits, brokered >10% | uninsured deposits leaving |
| 2015-03 | 5 | capital falling | charge-offs p90, loans exceed deposits, brokered >10% |
| 2015-06 | 5 | uninsured deposits leaving | deposits shrinking |

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

- 2014-04-10 [H&R Block Reaches Definitive Agreement to Divest its Bank - H&R Block](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOclU1UXZidGVpRjJwMzdhR0t1emdMQ0JvakkyNlZ6WTJzUTY1SXhEcXRQN3pudDZtUlVkay1JTUsxQ2w0NEZiUFpLTll0YkIzZ2h5aHZ0Zks0ejhpeEZFOVB5QjlYbWJiUmpHZnhJdXM1RU55VXdSMU02VDRlb0JMWlpSUGdtZGMzbVl5X1ZoU0l2VGd6M29JUnpKTXA4TnluLUxwV29panJmRWlxc0RZMXUwM0dHRnJfX1NDeHp3a1c2Slc3dWtEUVlIT1RRUlRs0gHWAUFVX3lxTE4xMXZid1FSXzI2TEt5RjdZRVFQdUtLb2YzelZyLUV3c3FHR203anBTaEJoQWloaU5vTVREV0ZOa1Z1OGt0YVVwUXpjckJneGkwMlBoTXJaV2ZxbVloU1dxZC1kRERVT3NoVUxZUy05bXZ0X25HaU9JQWJtUl9mRVdQWFBHcXVQcHZ1RnlZUTh6ZUZ0RHp0U2hmakYtTVFLVWx4VjczWnA5TzVaZUN0YUZLZ1pKaldjejVIWGpsa1VZbnc5Znd6aDcxMS1qVEZBMFNjVk5jOHc?oc=5) · H&R Block
- 2007-12-20 [Will Breeden Learn to Love Block's Thrift? - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZzJTRW13dG1kcnJNak45N0lpTF9WbHNkVDVBZWtQUjVBRHI4c01mRW9NS2RTd05GMURGRFYxNzlvSU1ZNGFSaXBHNERfalJ4QVVackQ4TEpkMWltSGdhZk14OXVxZ09KYlhrcndQNTNmXzJJT2ZSNGlDUnoyWU43Vjhn?oc=5) · American Banker
- 2014-12-01 [H&R Block CEO addresses IRS, Treasury EITC improper payments trends - H&R Block](https://news.google.com/rss/articles/CBMinwFBVV95cUxQU2JZazFtdXlvb3VjOXhFX3RGNVNFUXhoQXg2TXFITmk1ellLZGdsUFBPOENrdmFsQ1J3T3VvdW5zS2thcmc2UVRIRWlBS3doWTliTHozbFBsMUNra1ZadXRoc09YaGg3SkJwNlZOTDZ3NzBkNUp5WnZYN2NMNkJkS1UtaU5EOWJwTHBiX1RobkZRWFQ0RjlfeWNfNU5QTTjSAaQBQVVfeXFMUG1NV0VHaDhQQWtONnViNUZiRmZFLXNrcmtmWFZrU2o5U09iTVNUMzhjNEpNR2JSWG5mdjBFTlhwbzBSMGZsSVdGQkhlNFl4ZEdXSlpvVXZCeXJCRzZnZWJ0TzhpTWRjMXNCaXE4TEhlNVBtRE9mb3JZMFNGMENyNWQ4ejh1RF9GR01BUVdNbkpaMjUwMW5PY2NMQ05qendsaE5nWGU?oc=5) · H&R Block
- 2016-06-16 [H&R Block Takes 'Easy' and Adds 'Free' to 1040EZ - Franchising.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVXVfd0lCYnBuU2NyRFJQYnNxcmFtU2thOW9iQVA5V1FUTkVXNHQ4SGdqSFR3d05QT1JvWHhtVFYzOUtLM0wyTW4zN2xDdVZ1dzNiaWZPSmRpcVZ1NGhSYmVieGs3UWlod0RwanlrZW5XT0hJMmw1OVNHRmxWVUpVSDhoX19XTzZBOU1JSnZ3WFNPVW1HN09TTdIBngFBVV95cUxNR3NwbzduUzR2YW15ZEZzaEQ3dEFQZW9OaTNKZmV2ek5kdHF4SXEyYWdpRk93UmVvVkJlUldDMTVZNEwydjZZY2c3TUFSRG5feTlNMWdqOTNEVnZQeC10RWRfcnhONUFRUnRUMks2VFdMT3VPekk4OVFidHdGSFROTF9UTjVIQ05peWFsUHQzLVczb3pZcjhqUnB4V2tYdw?oc=5) · Franchising.com
- 2015-05-15 [Large Corporation: Kathy Barney, Wells Fargo Advisors - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNb3VGU2lubDY1SU9QZ3BWQTJrM2MwcFR0N0ZjckNvdF9ESDNLNlBWQXBadUFrMWF0SkdETDNvOE1KVTFuS0JsRHFET1U5UGhYMmdRNG1qeHRXOGttd0ZlYUlVZWRqdnVsM1lLZnNsdzdjSko1ZWU5S1ZnZjVjRUFZemotUVpTYlFWNUt4TWdlWG9HcEgtRWs3Z2dkeHVJaWFNM3VhdmYtU1dmSUst?oc=5) · The Business Journals
- 2016-06-10 [H&R Block, Inc. | $HRB Stock | Shares Climb Up On Better Than Expected Revenue Numbers & Dividend Increase - warriortradingnews.com](https://news.google.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?oc=5) · warriortradingnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58124 (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/12.json (key "58124", 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