BlastPoint's Banking Scorecard

First Federal Bank of Kansas City

$100M-$1B Specialty: Mortgage MO FDIC cert 29047

Designations: ✓ Mutual

Lees Summit, MO

9 branches across MO · KS

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 +2.7% year over year ($693.8M on the books).
Delinquency rate 0.46%.
Return on assets 0.41%.
Efficiency ratio 84.11% vs a 64.48% peer average.
Loan-to-deposit ratio 109.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

First Federal Bank of Kansas City has 1 strength but faces 5 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

+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 3.6% in tier
- Net Interest Margin 1.22% below tier average
- Efficiency Ratio 19.63% above tier average
- Loan-to-Deposit Ratio 31.68% above tier average
- ROA 0.91% below tier average

Get updates when First Federal Bank of Kansas City releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$992.5M -0.8% YoY +0.2% QoQ	+$606.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 0.3% in tier
Total Loans ?	$760.6M +1.4% YoY +0.7% QoQ	+$502.3M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 0.8% in tier
Total Deposits ?	$693.8M +2.7% YoY +0.7% QoQ	+$367.1M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 7.2% in tier
Return on Assets ?	0.41% +176.1% QoQ	-0.91%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Bottom 10.0% in tier
Net Interest Margin ?	2.77% +13.1% YoY +4.3% QoQ	-1.22%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Bottom 5.8% in tier
Efficiency Ratio ?	84.11% -16.2% YoY -10.8% QoQ	+19.63%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Bottom 9.8% in tier
Delinquency Rate ?	0.46% -32.2% YoY -13.3% QoQ	-0.46%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	109.63% -1.3% YoY +0.1% QoQ	+31.68%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 3.1% in tier
Non-Interest-Bearing Deposit Share ?	17.17% +90.6% YoY +15.8% QoQ	-4.86%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.42% -24.3% YoY -23.1% QoQ	-0.25%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	11.32% +1.4% YoY +1.4% QoQ	-4.59%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.31% +49.1% YoY +192.6% QoQ	-0.26%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	73%

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	17.2% +8.2pp YoY +2.3pp QoQ	-5.0pp	22.1%	20.9%	22.2%	32%
Brokered Deposits	12.5% -0.4pp YoY -0.1pp QoQ	+4.7pp	7.9%	7.4%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	5.7% +1.8pp YoY +0.2pp QoQ	-5.9pp	11.6%	12.3%	12.5%	24%
CRE	11.3% +2.1pp QoQ	-28.2pp	39.5%	36.8%	41.4%	6%
1-4 Family	70.2% -1.6pp YoY -0.8pp QoQ	+37.5pp	32.6%	31.9%	31.3%	94%
Consumer	14.1% -3.1pp YoY -1.6pp QoQ	+10.0pp	4.1%	4.1%	5.0%	96%

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	11.3% +0.2pp YoY +0.2pp QoQ	-0.8pp	12.2%	11.6%	12.6%	55%
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	125 -4 (-3.1%) YoY +5 (+4.2%) QoQ	+66	58	162	482	94%
Assets per Employee ($)	$7.9M +2.4% YoY -3.8% QoQ	+$422K	$7.5M	$8.0M	$8.8M	67%
Branch Count	9 0 YoY 0 QoQ	+4	4	10	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	52%
Nonaccrual	0.4% -0.3pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.8%	1.0%	43%
Allowance Coverage	2.90x +17.4% YoY +13.0% QoQ	-21.25x	24.15x	10.47x	20.23x	57%
Net Charge-off Rate (YTD)	0.3% -0.4pp YoY 0.0pp QoQ	+0.1pp	0.1%	0.3%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	3.8% +3.9pp YoY +2.4pp QoQ	-8.4pp	12.2%	14.3%	11.6%	10%
Cost of Funds (YTD)	2.5% -0.4pp YoY -0.1pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$2.0M +3636.8% YoY — QoQ	-$539K	$2.6M	$11.3M	$40.4M	52%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#20 of 529 • Bottom 3.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.41%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Assets

size

Value: $992.55M

Peer Median: $386.57M

#8 of 2643 Top 0.3% in $100M-$1B

Total Loans

size

Value: $760.62M

Peer Median: $258.35M

#22 of 2643 Top 0.8% in $100M-$1B

191

Total Deposits

size

Value: $693.82M

Peer Median: $326.73M

#191 of 2643 Top 7.2% in $100M-$1B

Top Weaknesses (4 metrics)

2561

Loan-to-Deposit Ratio

liquidity

Value: 109.63%

Peer Median: 77.95%

#2561 of 2643 Bottom 3.1% in $100M-$1B

2491

Net Interest Margin

profitability

Value: 2.77%

Peer Median: 3.99%

#2491 of 2643 Bottom 5.8% in $100M-$1B

2384

Efficiency Ratio

profitability

Value: 84.11%

Peer Median: 64.48%

#2384 of 2643 Bottom 9.8% in $100M-$1B

2379

Return on Assets

profitability

Value: 0.41%

Peer Median: 1.32%

#2379 of 2643 Bottom 10.0% in $100M-$1B