Lead Bank
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Data as of · sourced from FFIEC call reports. How we update
Lead Bank is an FDIC-insured commercial bank headquartered in Kansas City, MO, established in 1928 (FDIC certificate 8283), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.76B, up 58.3% from Q2 2025, the 16th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 20.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8283
- Headquarters
- Kansas City, MO
- Established
- 1928
- Total assets, Q2 2026
- $2.76B
- Assets vs Q2 2025
- +58.3%
- CET1 ratio, Q2 2026
- 20.33%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101206101
- Holding company
- LUNA PARENT, INC.
- Asset rank in state
- 16th of 191 in Missouri
Problem loans are rising at Lead Bank. The Kansas City, Missouri bank had $2.8 billion in assets at June 30, 2026, up 58.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.26% of loans from 1.79% a year earlier. It spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it keeps 7.29 cents of net interest income on every dollar of earning assets, about double the median of 3.71 cents for banks its size.
Earnings jumped: net income for the quarter was $11 million, 79% above the same quarter a year earlier. The credit card book ($294 million) is worsening: 14.82% of it is past due or on nonaccrual, up from 10.41% a year earlier. Where it has less room is capital: it funds 7.40% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Lead Bank reported a CET1 capital ratio of 20.33%, a return on assets of 1.57%, a nonperforming-loan ratio of 3.26% and a Texas ratio of 16.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lead Bank is the 16th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.0% to $2.76B, loans rose 4.0% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was other consumer loans, at 35.0% of total loans, ahead of credit card loans at 25.9%. The FDIC Summary of Deposits lists 2 offices for it, in Lees Summit, MO and Kansas City, MO; its Lees Summit office books 99% of its branch deposits. By the capital ratios in its Q2 2026 call report, Lead Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1801 Main St, Kansas City, MO 64108
- 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
- January 12, 1928
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 335
- Domestic deposits
- $2.46B
- Allowance for credit losses
- $26.2M
- Net charge-offs (YTD)
- $5.0M
- Average total assets
- $2.75B
- Average total loans
- $1.28B
- Average interest-bearing deposits
- $1.50B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8283
- Fed RSSD
- 893855
- SEC CIK
- 2091936 → filed by LUNA PARENT, INC.
- Website
- www.lead.bank →
- Parent Holding Company
- LUNA PARENT, INC. (RSSD 5749238)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lead Bank's total assets ran between $935.2M (Q4 2023) and $2.76B (Q2 2026), 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
$2.76B total assets against $1.74B; $2.52B total liabilities against $1.57B.
$1.11B net loans and leases against $889.3M; $2.46B total deposits against $1.53B.
$267.7M securities against $177.3M; $961.4M cash and balances due against $445.6M.
$49.2M total interest income against $39.7M; $5.9M total interest expense against $3.4M.
$43.3M net interest income against $36.3M.
$94.6M total noninterest income against $23.9M; $109.8M total noninterest expense against $50.0M.
$13.4M provision for credit losses against $2.3M.
$10.8M net income against $6.0M.
1.57% return on assets against 1.29%; 7.29% net interest margin against 8.85%.
20.33% CET1 capital ratio against 26.76%; 7.40% tier 1 leverage ratio against 7.30%.
Inside the full Lead Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Lead Bank rankings
Its closest position to the top of a national ranking is 257 of 3,640, for Texas Ratio; its furthest is 3,188 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q1 2025) to 2.39% (Q4 2024) and its net interest margin ran from 7.29% (Q2 2026) to 10.52% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.33% | 1.57% | 3.26% | 16.59% | 7.29% |
| Q1 2026 | 22.41% | 1.64% | 2.31% | 12.36% | 8.41% |
| Q4 2025 | 23.55% | 1.20% | 2.07% | 11.54% | 9.04% |
| Q3 2025 | 32.13% | 1.51% | 1.92% | 9.60% | 9.11% |
| Q2 2025 | 26.76% | 1.29% | 1.79% | 11.42% | 8.85% |
| Q1 2025 | 26.27% | 1.19% | 1.83% | 11.08% | 8.94% |
| Q4 2024 | 24.25% | 2.39% | 1.98% | 12.05% | 9.42% |
| Q3 2024 | 27.92% | 1.87% | 1.91% | 12.25% | 10.52% |
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 |
|---|---|---|---|
| Lead Bank - Chapman Farms Branch | Lees Summit , MO | 64064 | $2.44B |
| Lead Bank (main office) | Kansas City , MO | 64108 | $25.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in MO, rank 18 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 45 applications, 41 loans originated, $25.3M originated, across 3 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.3M approved, $2.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Lead Bank
What are Lead Bank's total assets?
As of the Q2 2026 filing, Lead Bank reported total assets of $2.76 billion in its FFIEC call report.
Where is Lead Bank headquartered?
It is headquartered in Kansas City, MO, United States.
When was Lead Bank founded?
It was established in 1928, per the FDIC institution directory.
Is Lead Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lead Bank?
Lead Bank's primary federal regulator is the FDIC.
What is Lead Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lead Bank 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 Lead Bank's Texas Ratio?
Its Texas Ratio is 16.59% 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.
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