Small Business Bank
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Data as of · sourced from FFIEC call reports. How we update
Small Business Bank was an FDIC-insured commercial bank headquartered in Lenexa, KS, established in 1984 (FDIC certificate 25744), and it was supervised by the Federal Reserve. Its final call report, for Q1 2026, showed total assets of $72.9M.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 25744
- Headquarters
- Lenexa, KS
- Established
- 1984
- Total assets, Q1 2026
- $72.9M
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101105118
Problem loans are rising at Small Business Bank. Its balance sheet stood at $73 million at March 31, 2026, down 14.3% from a year earlier; it is based in Lenexa, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.89% of loans from 2.00% a year earlier. It loses about $4.29 a year on every $100 of assets, lower than about 9 in 10 of the 591 banks with less than $100 million in assets (median $0.96). It also keeps 2.16 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.76 cents).
It lost $783,000 in the quarter. Where it has less room is capital: it funds 4.83% of its assets with Tier 1 capital, about a third the median of 13.02% for banks its size.
As of March 31, 2026, Small Business Bank reported a CET1 capital ratio of 14.01%, a return on assets of -4.29%, a nonperforming-loan ratio of 4.81% and a Texas ratio of 45.01%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q4 2025 to Q1 2026), its total assets fell 0.1% to $72.9M, loans fell 2.6% and deposits rose 0.9%. Farmland and other real estate loans made up 47.9% of its total loans on March 31, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.6%. The FDIC Summary of Deposits lists a single office for it, in Lenexa, KS. On its Q1 2026 call report, Small Business Bank meets the capital ratio tests for adequately capitalized, not well capitalized.
Headquarters Profile
- Address
- 13423 W 92nd St, Lenexa, KS 66215
- County
- Johnson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 7, 1984
- Former names
- Gardner Bank (2009-2016)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $68.8M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $73.0M
- Average total loans
- $62.3M
- Average interest-bearing deposits
- $47.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 7, 1984
- FDIC Cert
- 25744
- Fed RSSD
- 663656
Profitability
Q1 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q1 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
Small Business Bank's total assets moved between a low of $72.9M (Q1 2026) and a high of $102.6M (Q3 2023) from Q2 2023 to Q1 2026, and it posted no profit in any of the 12 quarters. The line under each chart compares Q1 2026 with Q1 2025. How these charts are built
$72.9M total assets against $85.2M; $69.4M total liabilities against $76.6M.
$59.9M net loans and leases against $65.3M; $68.8M total deposits against $76.2M.
$0 securities against $0; $9.6M cash and balances due against $13.5M.
$831K total interest income against $1.1M; $429K total interest expense against $544K.
$402K net interest income against $537K.
$63K total noninterest income against -$11K; $1.2M total noninterest expense against $1.6M.
$90K provision for credit losses against $655K.
-$783K net income against -$1.8M.
-4.29% return on assets against -8.23%; 2.16% net interest margin against 2.54%.
14.01% CET1 capital ratio against 23.82%; 4.83% tier 1 leverage ratio against 8.28%.
Inside the full Small Business 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.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q1 2026, its return on assets ran from -11.45% (Q4 2024) to -1.66% (Q2 2024) and its net interest margin ran from 1.05% (Q3 2024) to 2.54% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q1 2026 | 14.01% | -4.29% | 4.81% | 45.01% | 2.16% |
| Q4 2025 | 17.45% | -6.72% | 4.73% | 41.57% | 2.52% |
| Q3 2025 | 21.59% | -7.90% | 3.46% | 22.27% | 2.28% |
| Q2 2025 | 25.78% | -4.08% | 2.09% | 12.25% | 1.90% |
| Q1 2025 | 23.82% | -8.23% | 2.15% | 13.75% | 2.54% |
| Q4 2024 | — | -11.45% | 0.80% | 1.84% | 2.11% |
| Q3 2024 | — | -4.55% | 0.92% | 5.31% | 1.05% |
| Q2 2024 | 18.94% | -1.66% | 0.76% | 3.58% | 1.37% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Small Business Bank (main office) | Lenexa , KS | 66215 | $74.3M |
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 |
|---|---|---|---|
| July 18, 2026 | Structure Change | Failure, Government Assistance Provided | FFIEC NIC |
| July 17, 2026 | Failure | Failure / assisted resolution | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- June 29, 2026, Federal Reserve: Prompt Corrective Action: Small Business Bank, Lenexa, Kansas
- November 13, 2024, Federal Reserve: Cease and Desist Order: Small Business Bank, Lenexa, Kansas
- Period: Most recent institution action June 29, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- SBA 7(a) lending
- 4 loans, $4.3M approved, $1.1M 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
- Deposit market share, 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 Small Business Bank
What are Small Business Bank's total assets?
As of the Q1 2026 filing, Small Business Bank reported total assets of $72.9 million in its FFIEC call report.
Where is Small Business Bank headquartered?
It is headquartered in Lenexa, KS, United States.
When was Small Business Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Small Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Small Business Bank?
Small Business Bank's primary federal regulator is the Federal Reserve.
What is Small Business Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q1 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Small Business Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Small Business Bank's Texas Ratio?
Its Texas Ratio is 45.01% in its Q1 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 Small Business Bank previously called?
The charter now named Small Business Bank has also operated as Gardner Bank (2009-2016), per FDIC structure-change records.
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