# CROSSFIRST BANK
LEAWOOD, KS · FDIC certificate 58648 · asset band $1-10B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $7.45B | |
| Deposits | $6.51B | |
| Loans and leases | $6.04B | |
| Total equity | $764.4M | |
| Loans / deposits | 90.96% (p65 of band) | 85.96% |
| Liquid assets / assets | 14.81% (p21 of band) | |
| Uninsured deposits / deposits | 43.59% (p84 of band) | 29.94% |
| Brokered deposits | 9.59% | |
| Wholesale funding | 10.67% (p64 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 8.78% (p13 of band) | 10.21% |
| Unrealized securities loss / equity | -0.80% (p92 of band) | -11.76% |
| AOCI / equity | -0.59% (p2 of band) | |
| ROA (annualized) | -1.83% (p1 of band) | 1.01% |
| Net interest margin | 1.25% (p2 of band) | 3.38% |
| Efficiency ratio | 101.10% (p98 of band) | |
| Noncurrent loans | 0.79% (p71 of band) | 0.43% |
| Net charge-offs (annualized) | 1.58% (p98 of band) | |
| Reserve coverage of noncurrent | 234.56% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 82.32% (p77 of band) | |
| Auto loans | $245,000 (0.00% of loans; DQ 2.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 437 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | construction >100% equity | capital falling |
| 2014-09 | 0 |  | construction >100% equity |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | wholesale funding >15%, capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | capital falling, expense ratio p90 |  |
| 2017-12 | 4 | charge-offs p90 |  |
| 2018-03 | 4 | construction >100% equity | charge-offs p90 |
| 2018-06 | 2 |  | capital falling, expense ratio p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | construction >100% equity |
| 2019-03 | 2 | brokered >10% |  |
| 2019-06 | 4 | capital falling, reserve under noncurrent |  |
| 2019-09 | 1 |  | wholesale funding >15%, brokered >10%, capital falling |
| 2019-12 | 3 | wholesale funding >15%, charge-offs p90, construction >100% equity | reserve under noncurrent |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 5 | losing money |  |
| 2020-09 | 5 | noncurrent p90, reserve under noncurrent | capital falling, losing money |
| 2020-12 | 3 |  | wholesale funding >15%, construction >100% equity |
| 2021-03 | 3 | uninsured deposits >50%, construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2021-06 | 4 | run vulnerability |  |
| 2021-09 | 3 |  | construction >100% equity |
| 2021-12 | 2 |  | run vulnerability |
| 2022-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90, uninsured deposits >50% |
| 2022-06 | 1 | construction >100% equity | deposits shrinking, assets shrinking |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | brokered >10%, wholesale funding >15% |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 2 |  | wholesale funding >15% |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 | wholesale funding >15% | capital falling |
| 2024-09 | 1 |  | construction >100% equity, wholesale funding >15% |
| 2024-12 | 1 |  |  |
| 2025-03 | 4 | losing money, expense ratio p90, NIM <2.5%, charge-offs p90 | brokered >10% |

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

- 2026-07-31 [Leawood bank hires former CrossFirst executive to accelerate local growth - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUTBjX0R0RGdGVk9TUzlsT1dVbVFJU0RkUWxrcTNRYkZ4SENnSlNkeFZJdDExM19kTllkby1lVjUyakJ6SEhBX1Z2QTFndmpaVjY3cmdfUGs0THVsT2lFWjlQNGtvd0ZpbG9PenUxWnl6eENEck4tcW5Gc3ZOSXVxd2NXT3dFWkd2VV9NbnFfNDBvdTNaX1hWS0o2TUU5Tm1pQm5seWFR?oc=5) · The Business Journals
- 2026-06-12 [Busey Bank and CrossFirst Bank announce merger - WIXY.com |](https://news.google.com/rss/articles/CBMiggFBVV95cUxNS3dQOUlIVkhhZldGUTlqOUhHMjd4VnZGNXN1WWFRS1dod01LZ1BKZGlLVG1wVEZaWlBUcXNRVVZGeGVuVzhWcmRWZHZwYWkzd3VndFBSdXZCUElLSE9KYWw5ZHdUelZoWEZ1R0tWbFQ5dDBOMGFjSUh1VFZfblJ1RlRR?oc=5) · WIXY.com |
- 2026-02-11 [KeyBank recruits family office team led by former CrossFirst Bank exec - Crain's Cleveland](https://news.google.com/rss/articles/CBMitwFBVV95cUxOS3NwR1FpNGRnbFdfUENXMGpYdVhMUGI5NEtOVlpWT2N1UHUzUlFxNW84YlRWUHJCMU5GRklKTjA5V3ZuYTR1dTJuRjU0bDI3VEw1empfNU1yX3Awc1FYSFMwVWhNV1BBQ1RqR05mdnl0eU80ZWExbmY4aGhPMEZGNFp2LVdURzVXTzVHbEx4cjNCRDlMWmF0Q0lVV014M1FtTk9leEwxTmpybXRaYTAzbVJUYkdkYzA?oc=5) · Crain's Cleveland
- 2026-08-03 [Former CrossFirst CEO Maddox joins board of California bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQajFWSmFjQ1NXb3lBb1FKZmk4UHVMN2ZjRmljLXpkeU1PZmloMlQ1U2xCbDBNUnlBUWoyM2ppODY2RFNDblVBU0pET2RVVjdZdDBlbTcxWjFQRk13azBlZ1g2bXZjRkZfY1N2SEF2Tm5kVkRGUHdCNkFncWR0M0dWa1FZdV9reUM1U3FvZEpkOWUzVlcxUU0zVjZFVEZ0LXlzS01wc2ZpUWZodw?oc=5) · The Business Journals
- 2024-08-27 [Busey, CrossFirst to merge in $916.8M deal - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxQTzVfZXNCNURfRE0xbUZqVnJlRkFaZVZua1MxVDJUem5peDlySHh5UmVLaU54Q3NVNm9lUzhZWm1EUlFjbXhKZThPeVZSVnVxNmlnVWNlWGNzcmxVc3h4Vlc1SDU3a0xuZUtod3FsT1B1a3Q0VzUzZm1pajNsM2wyX1ZR?oc=5) · Banking Dive
- 2025-03-03 [First Busey Corporation Completes Acquisition of CrossFirst Bankshares, Inc. and CrossFirst Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMmdVb3RFWllwamh0SDNaSm1YTlZPRk0zY0s4MVE3dzBZTDhleFRuTXU2djNPZEJsS3VUU1h4b1JjaUpNLU5jOHY4ak9nWDh2a3VGbDUwcFVGVHBDcVVrSTcwclNUc2ZwMnRHVm1XUXFsRDhBSnNKeU9rcDJfSUhrU1lndk1sRlJjNzdYb1JFenlvU180TEE?oc=5) · Yahoo Finance
- 2022-06-08 [CrossFirst Bank Promotes Randy Rapp to President - Fort Worth Inc.](https://news.google.com/rss/articles/CBMihgFBVV95cUxNWXNwNlBoMHVIak1HSm1UN2xuazNQejNPdExXLU1EU21Qd2thV2dQNDg1QVl5eDFTRmRiVWI5Q0RhMnFSRl9hZWd1NFV5bTdiWE1HQUxMMk5YNFNZSGNwOXROZzRBYnVQeHVQOVRfSVJvMEdLVWEwckFIdUJmZ0N2aTVNSjBpUQ?oc=5) · Fort Worth Inc.
- 2023-03-31 [CrossFirst Bank Expands Texas Presence to Fort Worth - Business Wire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQYXN0TGVhVTZ1TldlSTFZOS1ybkRYNmxLYjNNLVJyeF9uWlJHcTI4VW9QMHBRZ2kwUFpBTWppZ29aeGNmcTVFcm1oUTR1UDUxSFgtU19TRHZScFJtMjJlV2thTjY3M2ZRY1pOVkpDMVVLUFlxMDNDNTFXQm82cW9MTURfRVZNR1VwdW54ak5ub2FnMWtQTWZWOGJES3VIVlNjM2JpTWtLRDJxVzJDN2c?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58648 (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/24.json (key "58648", 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