BlastPoint's Banking Scorecard

Central Bank of Kansas City

$100M-$1B Specialty: Commercial MO FDIC cert 17009

Designations: ✓ CDFI-certified

Kansas City, MO

2 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Central Bank of Kansas City has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 8.0% in tier
+ Deposit Franchise: Top 24.6% in tier
+ Return on Assets 1.35% above tier average
+ Efficiency Ratio 24.57% below tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 10.3% in tier
- Credit Quality Pressure: Bottom 24.8% in tier
- Credit Risk Growth: Bottom 43.0% in tier

Get updates when Central Bank of Kansas City releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$399.1M +14.6% YoY -3.5% QoQ	+$13.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$317.1M +9.8% YoY -2.6% QoQ	+$61.4M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$328.8M +13.8% YoY -6.5% QoQ	+$799K	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	2.61% -43.9% YoY -46.0% QoQ	+1.35%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 3.7% in tier
Net Interest Margin ?	4.74% -5.2% YoY -5.4% QoQ	+0.81%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 12.2% in tier
Efficiency Ratio ?	40.71% +50.1% YoY +40.3% QoQ	-24.57%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 4.8% in tier
Delinquency Rate ?	0.16% +11.5% QoQ	-0.73%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	96.44% -3.4% YoY +4.1% QoQ	+19.80%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 13.2% in tier
Non-Interest-Bearing Deposit Share ?	40.12% -24.2% YoY -19.0% QoQ	+18.10%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 4.6% in tier
Nonperforming Asset Ratio ?	0.12% +12.5% QoQ	-0.51%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	13.43% -9.5% YoY +2.9% QoQ	-2.40%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.36% -74.0% YoY -91.6% QoQ	+0.08%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 5.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#54 of 666 • Top 8.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.36%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.61%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#68 of 272 • Top 24.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 40.12%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.74%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (3)

Cost Spiral

risk

#14 of 126 • Bottom 10.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 40.71%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Credit Quality Pressure

risk

#326 of 1308 • Bottom 24.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#419 of 973 • Bottom 43.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

100

Return on Assets

profitability

Value: 2.61%

Peer Median: 1.27%

#100 of 2664 Top 3.7% in $100M-$1B

123

Non-Interest-Bearing Deposit Share

funding

Value: 40.12%

Peer Median: 22.02%

#123 of 2664 Top 4.6% in $100M-$1B

129

Efficiency Ratio

profitability

Value: 40.71%

Peer Median: 65.29%

#129 of 2664 Top 4.8% in $100M-$1B

137

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.28%

#137 of 2664 Top 5.1% in $100M-$1B

325

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.93%

#325 of 2664 Top 12.2% in $100M-$1B

Top Weaknesses (1 metrics)

2314

Loan-to-Deposit Ratio

liquidity

Value: 96.44%

Peer Median: 76.64%

#2314 of 2664 Bottom 13.2% in $100M-$1B