NBKC Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 3.00% and a Texas ratio of 5.08%, according to its call report filed with the FFIEC.
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)
- Offices
- 4 domestic
- 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
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. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
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.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
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 NBKC Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock NBKC 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.
NBKC Bank 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.
Metric pages for NBKC Bank: ROA, 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.
| 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
Every branch from the FDIC Summary of Deposits, 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 4 branches →
| 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
What the public regulatory sources show for NBKC Bank, 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
- 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 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- 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).
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is NBKC Bank headquartered?
NBKC Bank is headquartered in Leawood, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was NBKC Bank founded?
NBKC Bank was established in 1999, per the FDIC institution directory.
Is NBKC Bank FDIC-insured?
Yes. NBKC Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is NBKC Bank's CET1 capital ratio?
NBKC Bank 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?
NBKC Bank 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?
NBKC Bank's Texas Ratio is 5.08% 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 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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