NBKC Bank: 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: 38.37 percentage points lower than in Q1 2026, at 42.88%. Among 182 Kansas banks, NBKC Bank sits 7th from the top on return on assets, 2.79% as of Q2 2026. NBKC Bank's return on assets of 2.79% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.51 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.05% |
| Tier 1 risk-based capital ratio | 22.05% |
| Total risk-based capital ratio | 23.30% |
| Tier 1 leverage ratio | 17.13% |
| Equity capital to assets | 16.84% |
| Tangible equity to tangible assets | 16.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.00% |
| Non-performing assets ratio | 2.21% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 5.08% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 42.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.79% |
| Return on equity | 16.72% |
| Net interest margin | 3.75% |
| Efficiency ratio | 72.78% |
| Yield on earning assets | 5.56% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.99% |
| Core deposits to total deposits | 85.36% |
| Brokered deposits to total deposits | 9.22% |
| Deposits to assets | 81.06% |
| Securities to assets | 11.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 26.25% | 26.25% | 27.50% | 17.59% | 1.32% |
| Q4 2023 | 25.46% | 25.46% | 26.71% | 17.99% | 1.58% |
| Q1 2024 | 24.74% | 24.74% | 25.99% | 17.65% | 1.54% |
| Q2 2024 | 23.85% | 23.85% | 25.10% | 17.76% | 2.89% |
| Q3 2024 | 24.07% | 24.07% | 25.33% | 18.78% | 2.83% |
| Q4 2024 | 22.47% | 22.47% | 23.72% | 16.51% | 5.26% |
| Q1 2025 | 22.77% | 22.77% | 24.03% | 17.20% | 1.91% |
| Q2 2025 | 23.39% | 23.39% | 24.65% | 17.54% | 4.16% |
| Q3 2025 | 23.15% | 23.15% | 24.40% | 17.91% | 2.38% |
| Q4 2025 | 22.30% | 22.30% | 23.55% | 16.70% | 2.68% |
| Q1 2026 | 22.35% | 22.35% | 23.61% | 17.35% | 1.71% |
| Q2 2026 | 22.05% | 22.05% | 23.30% | 17.13% | 2.79% |
NBKC Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock NBKC Bank, 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 NBKC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35014) · FFIEC NIC profile (RSSD 2747587)