Central Bank of Kansas City: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 132.21 percentage points higher than in Q1 2026, at 1013.92%. Among 192 Missouri banks, Central Bank of Kansas City sits 5th from the top on return on assets, 3.28% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Central Bank of Kansas City reported 3.28% on return on assets in Q2 2026, 2.03 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 12.34% |
| Tangible equity to tangible assets | 11.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.83% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 1013.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.28% |
| Return on equity | 26.36% |
| Net interest margin | 4.78% |
| Efficiency ratio | 35.22% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.09% |
| Core deposits to total deposits | 90.22% |
| Brokered deposits to total deposits | 8.33% |
| Deposits to assets | 82.06% |
| Securities to assets | 3.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.64% | 17.64% | 18.89% | 13.30% | 3.83% |
| Q4 2023 | 16.68% | 16.68% | 17.92% | 13.09% | 3.29% |
| Q1 2024 | 16.17% | 16.17% | 17.38% | 12.67% | 3.97% |
| Q2 2024 | 15.20% | 15.20% | 16.37% | 12.90% | 3.16% |
| Q3 2024 | 15.49% | 15.49% | 16.70% | 13.84% | 7.48% |
| Q4 2024 | 14.58% | 14.58% | 15.74% | 13.40% | 5.72% |
| Q1 2025 | 14.84% | 14.84% | 16.05% | 13.28% | 4.50% |
| Q2 2025 | 14.39% | 14.39% | 15.59% | 13.46% | 9.64% |
| Q3 2025 | 14.17% | 14.17% | 15.39% | 12.56% | 2.46% |
| Q4 2025 | 13.05% | 13.05% | 14.20% | 11.03% | 2.56% |
| Q1 2026 | 13.43% | 13.43% | 14.63% | 11.51% | 2.52% |
| Q2 2026 | — | — | — | 11.95% | 3.28% |
Central Bank of Kansas City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank of Kansas City, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Bank of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17009) · FFIEC NIC profile (RSSD 751852)