BlastPoint's Banking Scorecard
Central Bank of Kansas City
Designations: ✓ CDFI-certified
Kansas City, MO
2 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +13.4% year over year ($336.6M on the books).
- Delinquency rate 0.14%.
- Return on assets 2.94%.
- Efficiency ratio 37.78% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central Bank of Kansas City has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 5.5% in tier
- + Deposit Franchise: Top 57.9% in tier
- + Return on Assets 1.62% above tier average
- + Efficiency Ratio 26.70% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 10.1% in tier
- - Credit Quality Pressure: Bottom 21.3% in tier
- - Credit Risk Growth: Bottom 28.7% in tier
- - Liquidity Strain: Bottom 39.6% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$410.2M
+14.3% YoY
+2.8% QoQ
|
+$23.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$319.4M
+6.4% YoY
+0.7% QoQ
|
+$61.1M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$336.6M
+13.4% YoY
+2.4% QoQ
|
+$9.9M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
2.94%
-59.2% YoY
+12.4% QoQ
|
+1.62% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 2.2% in tier |
| Net Interest Margin ? |
4.78%
-5.5% YoY
+0.8% QoQ
|
+0.79% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 12.4% in tier |
| Efficiency Ratio ? |
37.78%
+70.2% YoY
-7.2% QoQ
|
-26.70% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 2.4% in tier |
| Delinquency Rate ? |
0.14%
-12.6% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
94.90%
-6.2% YoY
-1.6% QoQ
|
+16.95% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
35.17%
-31.5% YoY
-12.3% QoQ
|
+13.14% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Top 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-14.4% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
11.95%
-17.0% YoY
-11.0% QoQ
|
-3.96% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.89%
-78.4% YoY
+147.7% QoQ
|
+0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Top 4.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.2%
-16.2pp YoY -4.9pp QoQ |
+13.0pp | 22.1% | 20.9% | 22.2% | 90% |
| Brokered Deposits |
8.3%
+7.7pp YoY +4.6pp QoQ |
+0.5pp | 7.9% | 7.4% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
55.6%
+1.8pp YoY -0.3pp QoQ |
+44.1pp | 11.6% | 12.3% | 12.5% | 99% |
| CRE |
45.1%
-2.3pp YoY -0.4pp QoQ |
+5.5pp | 39.5% | 36.8% | 41.4% | 62% |
| 1-4 Family |
0.2%
0.0pp YoY 0.0pp QoQ |
-32.4pp | 32.6% | 31.9% | 31.3% | 0% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 4.1% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.9%
-1.5pp YoY +0.4pp QoQ |
-0.2pp | 12.2% | 11.6% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
49
-1 (-2.0%) YoY -2 (-3.9%) QoQ |
-10 | 58 | 162 | 482 | 52% |
| Assets per Employee ($) |
$8.4M
+16.7% YoY +7.0% QoQ |
+$853K | $7.5M | $8.0M | $8.8M | 72% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 20% |
| Nonaccrual |
0.1%
0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 21% |
| Allowance Coverage |
9.23x
+13.7% QoQ |
-14.93x | 24.15x | 10.47x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.7%
-27.0pp YoY +2.7pp QoQ |
+11.5pp | 12.2% | 14.3% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 13% |
| Net Income ($, YTD) |
$6.0M
-53.1% YoY — QoQ |
+$3.4M | $2.6M | $11.3M | $40.4M | 92% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (4)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.