Central Bank of Kansas City
BankRegReports is independent of Central Bank of Kansas City and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Central Bank of Kansas City is an FDIC-insured commercial bank headquartered in Kansas City, MO, established in 1950 (FDIC certificate 17009), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $410.2M, up 14.3% from Q2 2025, the 82nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17009
- Headquarters
- Kansas City, MO
- Established
- 1950
- Total assets, Q2 2026
- $410.2M
- Assets vs Q2 2025
- +14.3%
- Tier 1 leverage ratio, Q2 2026
- 11.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101001283
- Latest call report
- Q2 2026, FFIEC 051 · Central Bank of Kansas City call report
- Holding company
- CENTRAL BANCSHARES OF KANSAS CITY, INC.
- Asset rank in state
- 82nd of 191 in Missouri
Central Bank of Kansas City is one of the more profitable banks of its size. Based in Kansas City, Missouri, it had $410 million in assets at June 30, 2026, up 14.3% from a year earlier. It earns about $3.28 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $3.3 million was 61% below a year earlier. Over the same year, loans grew 6.4% and deposits grew 13.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for banks its size.
As of June 30, 2026, Central Bank of Kansas City reported a return on assets of 3.28%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.83%. The figures come from its call report filed with the FFIEC.
Central Bank of Kansas City ranks as the 82nd largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.8% to $410.2M, loans rose 0.7% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 54.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 30.7%. The FDIC Summary of Deposits lists 2 offices for it, in Kansas City, MO. By the capital ratios in its Q2 2026 call report, Central Bank of Kansas City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2301 Independence Boulevard, Kansas City, MO 64124
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 10, 1950
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $336.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $406.3M
- Average total loans
- $329.4M
- Average interest-bearing deposits
- $133.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1951
- FDIC Cert
- 17009
- Fed RSSD
- 751852
- Website
- www.centralbankkc.com →
- Parent Holding Company
- CENTRAL BANCSHARES OF KANSAS CITY, INC. (RSSD 1063084)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Central Bank of Kansas City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Central Bank of Kansas City's total assets ran between $348.2M (Q1 2025) and $413.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$410.2M total assets against $358.8M; $359.5M total liabilities against $308.3M.
$319.4M net loans and leases against $300.2M; $336.6M total deposits against $296.8M.
$13.6M securities against $27.2M; $65.8M cash and balances due against $22.1M.
$5.7M total interest income against $5.3M; $986K total interest expense against $940K.
$4.8M net interest income against $4.4M.
$2.2M total noninterest income against $9.9M; $2.5M total noninterest expense against $2.7M.
$75K provision for credit losses against $75K.
$3.3M net income against $8.7M.
3.28% return on assets against 9.64%; 4.78% net interest margin against 5.03%.
11.95% tier 1 leverage ratio against 13.46%.
Inside the full Central Bank of Kansas City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central Bank of Kansas City rankings
Its closest position to the top of a national ranking is 51 of 3,611, for ROA; its furthest is 2,775 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.46% (Q3 2025) to 9.64% (Q2 2025) and its net interest margin ran from 4.52% (Q1 2026) to 5.03% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 3.28% | 0.13% | 0.83% | 4.78% |
| Q1 2026 | 11.51% | 2.52% | 0.15% | 0.95% | 4.52% |
| Q4 2025 | 11.03% | 2.56% | 0.14% | 0.87% | 4.61% |
| Q3 2025 | 12.56% | 2.46% | 0.00% | 0.00% | 4.91% |
| Q2 2025 | 13.46% | 9.64% | 0.00% | 0.00% | 5.03% |
| Q1 2025 | 13.28% | 4.50% | 0.00% | 0.00% | 4.81% |
| Q4 2024 | 13.40% | 5.72% | 0.00% | 0.00% | 4.71% |
| Q3 2024 | 13.84% | 7.48% | 0.00% | 0.00% | 4.56% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank of Kansas City (main office) | Kansas City , MO | 64124 | $336.6M |
| Drive-In Branch | Kansas City , MO | 64127 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 7, 2009 | Structure Change | Acquired Gateway Bank of St. Louis Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 28, 2002 | Structure Change | Acquired Winterset State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 107 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $592K approved, $592K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Central Bank of Kansas City’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Central Bank of Kansas City
What are Central Bank of Kansas City's total assets?
As of the Q2 2026 filing, Central Bank of Kansas City reported total assets of $410.2 million in its FFIEC call report.
Where is Central Bank of Kansas City headquartered?
It is headquartered in Kansas City, MO, United States.
When was Central Bank of Kansas City founded?
It was established in 1950, per the FDIC institution directory.
Is Central Bank of Kansas City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17009). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank of Kansas City?
Central Bank of Kansas City's primary federal regulator is the FDIC.
How many branches does Central Bank of Kansas City operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank of Kansas City's Texas Ratio?
Its Texas Ratio is 0.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Central Bank of Kansas City.
Get an email when Central Bank of Kansas City files its next call report, and benchmark it against any peer you choose.
Unlock Central Bank of Kansas City, freeFree account