First Federal 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: 34.58 percentage points higher than in Q1 2026, at 311.22%. First Federal Bank of Kansas City has the 17th lowest return on assets of the 192 banks headquartered in Missouri, at 0.67% as of Q2 2026. First Federal Bank of Kansas City reported 0.67% on return on assets for Q2 2026, 0.59 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.32% |
| Equity capital to assets | 10.75% |
| Tangible equity to tangible assets | 10.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 4.06% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 311.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.67% |
| Return on equity | 6.25% |
| Net interest margin | 2.75% |
| Efficiency ratio | 75.76% |
| Yield on earning assets | 5.09% |
| Cost of funds | 2.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.08% |
| Core deposits to total deposits | 80.00% |
| Brokered deposits to total deposits | 12.54% |
| Deposits to assets | 69.90% |
| Securities to assets | 11.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.84% | -0.52% | 2.86% | 0.44% | 1.40% |
| Q4 2023 | 12.93% | 0.36% | 2.72% | 0.45% | 1.53% |
| Q1 2024 | 12.51% | -0.27% | 2.54% | 0.46% | 1.73% |
| Q2 2024 | 12.29% | -0.22% | 2.52% | 0.39% | 1.53% |
| Q3 2024 | 11.88% | -0.38% | 2.38% | 0.40% | 1.06% |
| Q4 2024 | 11.45% | -1.84% | 2.21% | 0.53% | 0.98% |
| Q1 2025 | 11.23% | -0.08% | 2.33% | 0.48% | 0.74% |
| Q2 2025 | 11.17% | 0.06% | 2.39% | 0.61% | 0.61% |
| Q3 2025 | 11.14% | 0.10% | 2.43% | 0.63% | 0.55% |
| Q4 2025 | 11.14% | -2.21% | 1.95% | 0.76% | 0.55% |
| Q1 2026 | 11.16% | 0.15% | 2.57% | 0.48% | 0.33% |
| Q2 2026 | 11.32% | 0.67% | 2.75% | 0.42% | 0.24% |
First Federal Bank of Kansas City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal 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 First Federal Bank of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29047) · FFIEC NIC profile (RSSD 950178)