Lead Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lead Bank of Kansas City, MO against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.34% | +0.23% | 69th above |
| ROAE | 18.08% | 12.40% | +5.68% | 84th top |
| Net Interest Margin | 7.29% | 3.83% | +3.46% | 99th top |
| Efficiency Ratio | 78.30% | 57.84% | +20.46% | 8th bottom |
| PPNR / Avg Assets | 4.08% | — | — | 98th top |
| Yield on Earning Assets | 8.29% | 5.71% | +2.58% | 98th top |
| Cost of Funds | 0.90% | 2.02% | -1.12% | 96th top |
| Net Interest Spread | 6.43% | — | — | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 1.00% | -0.12% | 37th below |
| NPA / Total Assets | 0.36% | — | — | 59th above |
| NCO / Avg Loans | 0.83% | 0.43% | +0.40% | 5th bottom |
| ACL / Total Loans | 2.31% | — | — | 97th top |
| ACL / NPLs (Coverage) | 261.35% | — | — | 64th above |
| Texas Ratio | 16.59% | 5.47% | +11.12% | 5th bottom |
| Provision / NCO | 346.72% | — | — | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.33% | 14.99% | +5.34% | 91st top |
| Tier 1 Ratio | 20.33% | 15.02% | +5.31% | 91st top |
| Total Capital Ratio | 21.60% | — | — | 92nd top |
| Leverage Ratio | 7.40% | 11.11% | -3.71% | 1st bottom |
| Equity / Assets | 8.84% | 11.02% | -2.18% | 19th bottom |
| TCE / Tangible Assets | 7.26% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 46.11% | 86.99% | -40.88% | 97th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.00% | 85.57% | +2.43% | 47th below |
| Uninsured Deposit Ratio | 30.02% | 33.19% | -3.17% | 54th above |
| Wholesale Funding Ratio | 0.02% | — | — | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 58.29% | — | — | 98th top |
| Loan Growth (Y/Y) | 26.66% | — | — | 94th top |
| Deposit Growth (Y/Y) | 61.35% | — | — | 99th top |
See Lead Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lead Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lead Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Lead Bank peer analysis.