NBKC Bank
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Data as of · sourced from FFIEC call reports. How we update
NBKC Bank is an FDIC-insured commercial bank headquartered in Leawood, KS, established in 1999 (FDIC certificate 35014), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.24B, up 8.2% from Q2 2025, the 15th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 22.05% 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
- 35014
- Headquarters
- Leawood, KS
- Established
- 1999
- Total assets, Q2 2026
- $1.24B
- Assets vs Q2 2025
- +8.2%
- CET1 ratio, Q2 2026
- 22.05%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101014869
- Latest call report
- Q2 2026, FFIEC 051 · NBKC Bank call report
- Holding company
- AMERI-NATIONAL CORPORATION
- Asset rank in state
- 15th of 182 in Kansas
Problem loans are rising at NBKC Bank. Based in Leawood, Kansas, it had $1.2 billion in assets at June 30, 2026, up 8.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.23% of loans from 0.74% a year earlier. It earns about $2.79 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 22.05% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Net income for the quarter slipped 27% from a year earlier, to $8.7 million. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, NBKC Bank reported a CET1 capital ratio of 22.05%, a return on assets of 2.79%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 5.08%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, NBKC Bank is the 15th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $1.24B, loans rose 2.1% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.8% of total loans, followed by non-owner-occupied commercial real estate loans at 25.6%. The FDIC Summary of Deposits lists 4 offices for it, in Kansas City, MO, Leawood, KS and Overland Park, KS; its Kansas City 2 offices book 55% of its branch deposits. Judged on its Q2 2026 call report, NBKC Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3510 W 95th St, Leawood, KS 66206
- County
- Johnson
- 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
- March 30, 1999
- Former names
- National Bank of Kansas City (2004-2015)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 364
- Domestic deposits
- $1.01B
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- $178K
- Average total assets
- $1.25B
- Average total loans
- $872.8M
- Average interest-bearing deposits
- $648.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 30, 1999
- FDIC Cert
- 35014
- Fed RSSD
- 2747587
- Website
- www.nbkc.com →
- Parent Holding Company
- AMERI-NATIONAL CORPORATION (RSSD 2772990)
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, NBKC Bank's total assets ran between $1.11B (Q4 2023) and $1.26B (Q4 2025), 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
$1.24B total assets against $1.15B; $1.03B total liabilities against $952.6M.
$903.8M net loans and leases against $820.2M; $1.01B total deposits against $923.5M.
$139.8M securities against $112.1M; $73.9M cash and balances due against $107.2M.
$15.9M total interest income against $15.3M; $5.2M total interest expense against $5.3M.
$10.7M net interest income against $10.0M.
$22.9M total noninterest income against $25.1M; $24.4M total noninterest expense against $23.0M.
$0 provision for credit losses against $700K.
$8.7M net income against $11.8M.
2.79% return on assets against 4.16%; 3.75% net interest margin against 3.82%.
22.05% CET1 capital ratio against 23.39%; 17.13% tier 1 leverage ratio against 17.54%.
Inside the full NBKC Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNBKC Bank rankings
Its closest position to the top of a national ranking is 104 of 3,611, for ROA; its furthest is 951 of 980, for uninsured deposits.
Metric pages for NBKC Bank: ROA, CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.71% (Q1 2026) to 5.26% (Q4 2024) and its net interest margin ran from 3.67% (Q1 2025) to 4.10% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.05% | 2.79% | 1.45% | 5.08% | 3.75% |
| Q1 2026 | 22.35% | 1.71% | 1.28% | 4.66% | 3.71% |
| Q4 2025 | 22.30% | 2.68% | 1.11% | 4.04% | 3.83% |
| Q3 2025 | 23.15% | 2.38% | 1.19% | 4.69% | 4.10% |
| Q2 2025 | 23.39% | 4.16% | 0.86% | 3.15% | 3.82% |
| Q1 2025 | 22.77% | 1.91% | 0.75% | 3.06% | 3.67% |
| Q4 2024 | 22.47% | 5.26% | 0.62% | 2.66% | 3.69% |
| Q3 2024 | 24.07% | 2.83% | 0.45% | 1.51% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| NBKC Bank (main office) | Kansas City , MO | 64114 | $477.6M |
| NBKC Bank (main office) | Leawood , KS | 66206 | $347.9M |
| Mission Farms Branch | Overland Park , KS | 66207 | $108.4M |
| Ash Avenue Branch | Kansas City , MO | 64157 | $72.3M |
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 |
|---|---|---|---|
| June 26, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- July 5, 2012, OCC: Civil Money Penalty (CMP): National Bank of Kansas City
- May 20, 2008, OCC: Formal Agreement: National Bank of Kansas City
- Period: Most recent institution action July 5, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in KS, rank 53 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $1.0M approved, $148K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 NBKC Bank
What are NBKC Bank's total assets?
As of the Q2 2026 filing, NBKC Bank reported total assets of $1.24 billion in its FFIEC call report.
Where is NBKC Bank headquartered?
It is headquartered in Leawood, KS, United States.
When was NBKC Bank founded?
It was established in 1999, per the FDIC institution directory.
Is NBKC Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35014). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NBKC Bank?
NBKC Bank's primary federal regulator is the FDIC.
What is NBKC Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does NBKC Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NBKC Bank's Texas Ratio?
Its Texas Ratio is 5.08% 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 NBKC Bank previously called?
The charter now named NBKC Bank has also operated as National Bank of Kansas City (2004-2015), per FDIC structure-change records.
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