# LEAD BANK
KANSAS CITY, MO · FDIC certificate 8283 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $2.76B | |
| Deposits | $2.46B | |
| Loans and leases | $1.14B | |
| Total equity | $244.1M | |
| Loans / deposits | 45.05% (p4 of band) | 87.10% |
| Liquid assets / assets | 44.52% (p93 of band) | |
| Uninsured deposits / deposits | 30.02% (p47 of band) | 30.76% |
| Brokered deposits | 13.27% | |
| Wholesale funding | 13.30% (p75 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 7.40% (p2 of band) | 10.50% |
| Unrealized securities loss / equity | -2.01% (p81 of band) | -7.75% |
| AOCI / equity | -1.68% (p6 of band) | |
| ROA (annualized) | 1.59% (p73 of band) | 1.26% |
| Net interest margin | 7.93% (p99 of band) | 3.70% |
| Efficiency ratio | 79.02% (p92 of band) | |
| Noncurrent loans | 3.26% (p96 of band) | 0.51% |
| Net charge-offs (annualized) | 0.37% (p92 of band) | |
| Reserve coverage of noncurrent | 70.76% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 37.41% (p39 of band) | |
| Auto loans | $145,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 61.4% | |
| Employees | 335 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | NIM <2.5%, noncurrent p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 2 |  | expense ratio p90, reserve under noncurrent |
| 2012-03 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  | assets shrinking |
| 2012-09 | 3 |  | deposits shrinking |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 2 |  | charge-offs p90, capital falling |
| 2013-06 | 1 |  | expense ratio p90 |
| 2013-09 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 | capital falling | expense ratio p90 |
| 2014-09 | 2 |  | losing money |
| 2014-12 | 2 | liquid assets <10% | capital falling |
| 2015-03 | 2 | charge-offs p90 | liquid assets <10% |
| 2015-06 | 3 | liquid assets <10% |  |
| 2015-09 | 4 | noncurrent p90 |  |
| 2015-12 | 4 | construction >100% equity | charge-offs p90 |
| 2016-03 | 5 | capital falling, charge-offs p90 | noncurrent p90 |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 4 |  | capital falling |
| 2017-03 | 2 |  | liquid assets <10%, charge-offs p90 |
| 2017-06 | 2 | liquid assets <10% | reserve under noncurrent |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 3 | capital falling | reserve under noncurrent |
| 2018-03 | 2 |  | liquid assets <10% |
| 2018-06 | 6 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2018-09 | 5 |  | capital falling |
| 2018-12 | 6 | reserve under noncurrent |  |
| 2019-03 | 6 | charge-offs p90 | loans exceed deposits |
| 2019-06 | 7 | capital falling |  |
| 2019-09 | 7 | expense ratio p90 | liquid assets <10% |
| 2019-12 | 7 | liquid assets <10% | capital falling |
| 2020-03 | 5 |  | charge-offs p90, liquid assets <10% |
| 2020-06 | 6 | capital falling |  |
| 2020-09 | 7 | liquid assets <10% |  |
| 2020-12 | 6 |  | liquid assets <10% |
| 2021-03 | 4 |  | construction >100% equity, capital falling |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | capital falling |  |
| 2021-12 | 4 |  | capital falling |
| 2022-03 | 4 |  |  |
| 2022-06 | 6 | noncurrent p90, charge-offs p90 |  |
| 2022-09 | 4 |  | noncurrent p90, charge-offs p90 |
| 2022-12 | 5 | noncurrent p90 |  |
| 2023-03 | 6 | charge-offs p90 |  |
| 2023-06 | 7 | capital falling |  |
| 2023-09 | 5 |  | expense ratio p90, capital falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | charge-offs p90 |
| 2024-06 | 6 | capital falling, uninsured deposits leaving |  |
| 2024-09 | 4 |  | capital falling, uninsured deposits leaving |
| 2024-12 | 4 |  |  |
| 2025-03 | 5 | capital falling |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 | expense ratio p90 | capital falling |
| 2025-12 | 5 | charge-offs p90 | wholesale funding >15% |
| 2026-03 | 6 | capital falling |  |
| 2026-06 | 6 |  |  |

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

- 2026-03-09 [What Is Lead Bank, and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMicEFVX3lxTE9GakxCaXlMd1BzcGtDUlh2dEFZTFF6djF1U2h4Rl9ZWjB5YjZ3eUpBdXViQ3dTX1BCbElTTHJiUWhmNWxfcVB2OWxXaElJOTNJbVhOX3A1VnByTnhFcTlOa0JkVDhPSmFWOFVlQmplcmI?oc=5) · NerdWallet
- 2026-07-29 [Lead Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBjcDNSakg1MkFkLUNaZzl2LTVQS2tVdlpLTjhHNVlWLWFQZWdEV2c0czh5aXpvUWxLUDc0RF9NN05rbndKMEFpSHlwWGFFU3A0T2UxRHkzZ2VqYWcwRWJxekZBaWdCYWRU?oc=5) · reveliolabs.com
- 2025-12-10 [A16z-backed Lead Bank adds Loop Crypto to inner circle with eye on scaling stablecoins and payments - The Block](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQT1FFajE0Y0kyMnFZZ3N1QnJDUzg0eFp0dk1uVUk4Rm1rc05MNzZ4cmtmV1NrU1JkNTNJVGY5Y3dmR19RMkZrS3VKRFdoQlZQalplWGlxUW5LMXo3endqSUFQNWxxZXR6UUNtUTNseDFEam93c1l4NXNKZzBTaDdTdUJueG1zZWJnRVFjbVJ3Wm5zQUpxOFBQbTlQbWw2ZTh2YjhXRy02SzAzRjRobWt6YzMxYVljVWhweFlUTGZ4NUNQUkduWUw1Rm9XNGMyUzNLcE1sN0RFeUJFMUdBdFdVa21zUDhzU1FLbDhz?oc=5) · The Block
- 2026-05-19 [34. Lead Bank - CNBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE1CUHBDcy1NbExyNWY4OVhhU21iWEVCdjJmVFZKWlVaMllzQUJCUGZ6bTZON0wyeE1yYTlqQVZHMUR2bFlPQ19ZUkkzNl9RNzhPVkRuUUE1X245RTI3VVZob2xLd094RkNMYWJTb2pueFVkQ0RMckxvV0hjaWPSAYIBQVVfeXFMUEZEWHhJVmRmRWZuVURnU3ZNSi1GQ09GLVB3Y3JsQy13emQybjEwSi1DdEhNNzFBdmFPSTUtSlhrWTY5ZVlFSG9ndFd3WS1JMG56NUsxUVNVaEY5RnliRU5PU0NfMzVCcEVKYk1EelJIMkJPNERQODE5NWw1LWVHeDI2dw?oc=5) · CNBC
- 2024-02-06 [Bank and Loan Servicer Move to Dismiss Purported Class Action Asserting Violations of Georgia Usury Law and RICO - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMigwJBVV95cUxOSGpIdGNSa3NZREZLS0lTTklIMEx4TUhQZnpJOEJHX3hLUWk5MU40UUNCVGp4WnZKT3pzYUt4bXk0Zld1eGRPbDZNbEZnbmdiMkdVZTY1X2tCZlV2aHhVOVBPa1A0RGtib3hqS3BOSTFLT2Y0YU5LVXprdG15UXMwb3pUZm5BenA0RGdXTWw0UlYtNlZwLTlqTUhNbW00TlM3WVpud1JGYXlQVFIydE1SZkQ2WmtMd1NNUHBBamM2NWV1MXNuamNsdTcyejZ2dGNVS3ROUDluXzM2bmdGMng2MzJWQWNGeEVTWUE4ZDBfbThVOVItaXZnVWVEeGZPT3VJVlRr?oc=5) · Consumer Financial Services Law Monitor
- 2022-08-03 [Former Square exec leads acquisition of community bank - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxPM1czY2dXMXBJR05sOWtYbnVDSVB1VnBKM00wZFViQzNpX3dlSnJjYXlJbnA2YWNTalAwblFPdDZXSTdKd0VPMWFEeHVsU1NwN2xhdFZZTklVNTNJa0lINm45OXFpZ1ZHX3BnNVZWSFZtTFhqdmxXT19KYl8zWk5KVVpfTGJSQ0lUNVU1M3YzWUhDNkEz?oc=5) · American Banker
- 2021-05-28 [Julie Pine – Lead Bank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMic0FVX3lxTE02T2wwbHA4QTN1blN2Sk1MVnNoal9Cb2RzcWhoV2VjSHcxNDA2NkN1WkRDUmk5czlnbExoandVeWdqaUJGZnUyZGh3WW05X0ZJek5TUXVGUHFETFM5TFVJbC1BcDFfajlQY3p1OXJwaDd6ZGc?oc=5) · Vanguard Law Magazine
- 2026-05-15 [2026 Champions of Business: Lead Bank - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxONGhSdnpmVkQtVXotQ0N5cjhRN0Z5M2kzUEoyMGVFMW41TU1UQ1F6cjRyWWZNYzJ0SHdkYlItX1ozX09ya1pqVUFJcVU2STJBRTdkRFB6LU1OdFpNX21na08xYnhES0ZNQzNyZm5GeVRHdThvdVN3WXRQZFQ2RzZfdU9XUjlyOUJzZHp4ckxic1Y5VFpvM0J3VkZMR0U?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8283 (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/27.json (key "8283", 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