First Federal Bank of Kansas City
Also written as FFB of Kansas City
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Kansas City is an FDIC-insured savings bank headquartered in Lees Summit, MO, supervised by the FDIC, with $992.5M in total assets at Q2 2026, down 0.8% from Q2 2025, the 38th largest of 191 banks headquartered in Missouri. It was established in 1934 and holds FDIC certificate 29047. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29047
- Headquarters
- Lees Summit, MO
- Established
- 1934
- Total assets, Q2 2026
- $992.5M
- Assets vs Q2 2025
- -0.8%
- Tier 1 leverage ratio, Q2 2026
- 11.32%
- Domestic offices
- 9 · First Federal Bank of Kansas City branches FDIC institution directory, current count
- Routing number
- 301071592
- Safety and soundness
- Is First Federal Bank of Kansas City safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Bank of Kansas City call report
- Holding company
- COSPERITY BANCORP, INC.
- Asset rank in state
- 38th of 191 in Missouri
First Federal Bank of Kansas City, based in Lees Summit, Missouri, reported $993 million in assets at June 30, 2026. It keeps 2.75 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds 10% of its deposits (10%) above the FDIC insurance limit, about half the median of 20.8% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.40% of loans, down from 0.60% a year earlier. Profitability lags: it earns about $0.67 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, First Federal Bank of Kansas City reported a return on assets of 0.67%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 3.20%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, First Federal Bank of Kansas City is the 38th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $992.5M, loans rose 0.7% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 69.3% of total loans, ahead of other consumer loans at 13.5%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities across 2 states; its Lees Summit office books 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Bank of Kansas City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1255 Se Oldham Pkwy, Lees Summit, MO 64081
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1934
- Former names
- First Federal Bank, FSB (1995-2014)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $693.8M
- Allowance for credit losses
- $10.1M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $989.8M
- Average total loans
- $791.2M
- Average interest-bearing deposits
- $579.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29047
- Fed RSSD
- 950178
- Website
- www.ffbkc.com →
- Parent Holding Company
- COSPERITY BANCORP, INC. (RSSD 5863264)
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, First Federal Bank of Kansas City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Federal Bank of Kansas City's total assets ranged from $929.3M (Q3 2023) to $1.00B (Q2 2025), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$992.5M total assets against $1.00B; $885.9M total liabilities against $894.6M.
$760.6M net loans and leases against $750.2M; $693.8M total deposits against $675.3M.
$110.3M securities against $133.5M; $35.3M cash and balances due against $23.4M.
$12.0M total interest income against $12.1M; $5.5M total interest expense against $6.6M.
$6.5M net interest income against $5.6M.
$2.0M total noninterest income against $1.1M; $6.4M total noninterest expense against $6.5M.
$350K provision for credit losses against $72K.
$1.7M net income against $145K.
0.67% return on assets against 0.06%; 2.75% net interest margin against 2.39%.
11.32% tier 1 leverage ratio against 11.17%.
Inside the full First Federal 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Bank of Kansas City rankings
Its closest position to the top of a national ranking is 1,044 of 4,196, for total assets; its furthest is 936 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.21% (Q4 2025) to 0.67% (Q2 2026) and its net interest margin ran from 1.95% (Q4 2025) to 2.75% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 0.67% | 0.45% | 3.20% | 2.75% |
| Q1 2026 | 11.16% | 0.15% | 0.52% | 4.33% | 2.57% |
| Q4 2025 | 11.14% | -2.21% | 0.75% | 5.19% | 1.95% |
| Q3 2025 | 11.14% | 0.10% | 0.80% | 5.14% | 2.43% |
| Q2 2025 | 11.17% | 0.06% | 0.66% | 4.27% | 2.39% |
| Q1 2025 | 11.23% | -0.08% | 0.57% | 3.78% | 2.33% |
| Q4 2024 | 11.45% | -1.84% | 0.61% | 3.78% | 2.21% |
| Q3 2024 | 11.88% | -0.38% | 0.51% | 3.12% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| First Federal Bank of Kansas City (main office) | Lees Summit , MO | 64081 | $261.2M |
| 9330 East Gregory Blvd Branch | Raytown , MO | 64133 | $76.0M |
| 3500 South Noland Road Branch | Independence , MO | 64055 | $73.0M |
| 8308 N.W. Prairie View Rd Branch | Kansas City , MO | 64151 | $58.8M |
| 1200 Armour Rd Branch | North Kansas City , MO | 64116 | $56.5M |
| Minnesota Ave Br | Kansas City , KS | 66101 | $55.6M |
| 4227 Blue Ridge Blvd Branch | Kansas City , MO | 64133 | $48.8M |
| 8000 State Line Branch | Prairie Village , KS | 66208 | $33.0M |
| 8629 Metcalf Branch | Overland Park , KS | 66212 | $30.8M |
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 |
|---|---|---|---|
| May 1, 2016 | Structure Change | Acquired Inter-State Federal Savings and Loan Association of Kansas City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1981 | Structure Change | Acquired Heritage Federal Savings and Loan Association of Kansas City 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 2, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MO, rank 71 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 470 applications, 346 loans originated, $107.5M originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Federal Bank of Kansas City
What are First Federal Bank of Kansas City's total assets?
As of the Q2 2026 filing, First Federal Bank of Kansas City reported total assets of $992.5 million in its FFIEC call report.
Where is First Federal Bank of Kansas City headquartered?
It is headquartered in Lees Summit, MO, United States.
When was First Federal Bank of Kansas City founded?
It was established in 1934, per the FDIC institution directory.
Is First Federal Bank of Kansas City FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank of Kansas City?
First Federal Bank of Kansas City's primary federal regulator is the FDIC.
How many branches does First Federal Bank of Kansas City operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank of Kansas City's Texas Ratio?
Its Texas Ratio is 3.20% 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.
What was First Federal Bank of Kansas City previously called?
The charter now named First Federal Bank of Kansas City has also operated as First Federal Bank, FSB (1995-2014), per FDIC structure-change records.
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