First Federal Bank of Kansas City: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Kansas City is the primary bank subsidiary of its parent holding company, headquartered in Lees Summit, MO. The Q2 2026 balance sheet stands at $993M in assets, including $771M in loans. Profitability runs below industry average: 0.67% ROA, 6.25% ROE, with NIM at 2.75%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.32% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.42%. It operates 9 branches, primarily in Missouri.
As of June 30, 2026, First Federal Bank of Kansas City reported a Tier 1 leverage ratio of 11.32%, a return on assets of 0.67%, a nonperforming-loan ratio of 0.42%, a Texas ratio of 4.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1255 Se Oldham Pkwy, Lees Summit, MO 64081
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1934
- Former names
- First Federal Bank, FSB (1995-2014)
- Offices
- 9 domestic
- Employees (FTE)
- 125
- Domestic deposits
- $693.8M
- Allowance for credit losses
- $10.1M
- Net charge-offs (YTD)
- $1.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29047
- Fed RSSD
- 950178
- Website
- www.ffbkc.com →
- Parent Holding Company
- COSPERITY BANCORP, INC. (RSSD 5863264)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Bank of Kansas City terminal
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Unlock First Federal Bank of Kansas City, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Bank of Kansas City rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 0.67% | 0.42% | 4.06% | 2.75% |
| Q1 2026 | 11.16% | 0.15% | 0.48% | 5.23% | 2.57% |
| Q4 2025 | 11.14% | -2.21% | 0.76% | 6.14% | 1.95% |
| Q3 2025 | 11.14% | 0.10% | 0.63% | 5.55% | 2.43% |
| Q2 2025 | 11.17% | 0.06% | 0.61% | 4.68% | 2.39% |
| Q1 2025 | 11.23% | -0.08% | 0.48% | 4.05% | 2.33% |
| Q4 2024 | 11.45% | -1.84% | 0.53% | 4.31% | 2.21% |
| Q3 2024 | 11.88% | -0.38% | 0.40% | 3.65% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Bank of Kansas City (main office) | Lees Summit , MO | 64081 | $261.2M |
| 9330 East Gregory Blvd Branch | Raytown , MO | 64133 | $76.0M |
| 3500 South Noland Road Branch | Independence , MO | 64055 | $73.0M |
| 8308 N.W. Prairie View Rd Branch | Kansas City , MO | 64151 | $58.8M |
| 1200 Armour Rd Branch | North Kansas City , MO | 64116 | $56.5M |
| Minnesota Ave Br | Kansas City , KS | 66101 | $55.6M |
| 4227 Blue Ridge Blvd Branch | Kansas City , MO | 64133 | $48.8M |
| 8000 State Line Branch | Prairie Village , KS | 66208 | $33.0M |
| 8629 Metcalf Branch | Overland Park , KS | 66212 | $30.8M |
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 |
|---|---|---|---|
| May 1, 2016 | Structure Change | Acquired Inter-State Federal Savings and Loan Association of Kansas City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1981 | Structure Change | Acquired Heritage Federal Savings and Loan Association of Kansas City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for First Federal Bank of Kansas City, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 2, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MO, rank 71 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 470 applications, 346 loans originated, $107.5M originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Bank of Kansas City
What are First Federal Bank of Kansas City's total assets?
As of the Q2 2026 filing, First Federal Bank of Kansas City reported total assets of $992.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Bank of Kansas City headquartered?
First Federal Bank of Kansas City is headquartered in Lees Summit, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Bank of Kansas City founded?
First Federal Bank of Kansas City was established in 1934, per the FDIC institution directory.
Is First Federal Bank of Kansas City FDIC-insured?
Yes. First Federal Bank of Kansas City is an FDIC-insured commercial bank (FDIC Certificate #29047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank of Kansas City?
First Federal Bank of Kansas City's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Federal Bank of Kansas City operate?
First Federal Bank of Kansas City operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank of Kansas City's Texas Ratio?
First Federal Bank of Kansas City's Texas Ratio is 4.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Bank of Kansas City previously called?
The charter now named First Federal Bank of Kansas City has also operated as First Federal Bank, FSB (1995-2014), per FDIC structure-change records.
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