LEAD BANK

KANSAS CITY, MO | Large | Est. Jan. 12, 1928, midnight | FDIC #8283 | RSSD #893855 | FDIC
Latest Report: 2025-12-31

LEAD BANK is aln large FDIC-insured commercial bank headquartered in KANSAS CITY, MO, established in Jan. 12, 1928, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.3B. Profitability stands at 1.22% ROA and 12.64% ROE, with a net interest margin of 8.72%. The bank's CET1 capital ratio is 23.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 1.55%. FDIC Certificate #8283.

Assets

$2.6B

Deposits

$2.3B

Loans

$1.1B

Equity

$226M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 12.64%
Net Interest Margin (NIM) 8.72%
Yield on Assets 9.50%
Cost of Funds 2.76%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.94%
Texas Ratio 1.55%
NPA Ratio 0.14%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 23.36%
Tier 1 Capital 23.36%
Total Capital Ratio 24.62%
Leverage Ratio 7.84%
Loan-to-Deposit 47.24%

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