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Security Bank of Kansas City

$1B-$10B Specialty: Commercial KS FDIC cert 4705

Designations: ✓ Community bank

Kansas City, KS

34 branches across KS · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits +7.2% year over year ($3.2B on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.56%.
  • Efficiency ratio 48.39% vs a 59.73% peer average.
  • Loan-to-deposit ratio 64.96% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

Security Bank of Kansas City has 4 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

  • + Credit Quality Leader: Top 47.1% in tier
  • + Nonperforming Asset Ratio 0.66% below tier average
  • + ROA 0.17% above tier average
  • + Efficiency Ratio 11.34% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.6% in tier
  • - Credit Risk Growth: Bottom 15.7% in tier
  • - Net Interest Margin 0.61% below tier average
Get updates when Security Bank of Kansas City releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $3.9B
+6.7% YoY +0.9% QoQ
+$1.1B $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $2.1B
+5.2% YoY -2.1% QoQ
+$107.1M $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $3.2B
+7.2% YoY +0.3% QoQ
+$868.1M $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 1.56%
+21.3% YoY +11.9% QoQ
+0.17% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 3.26%
+3.5% YoY +0.6% QoQ
-0.61% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 48.39%
-6.7% YoY -0.3% QoQ
-11.34% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.03%
+248.0% YoY +632.7% QoQ
-0.84% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 6.2% in tier
Loan-to-Deposit Ratio ? 64.96%
-1.8% YoY -2.3% QoQ
-20.07% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 10.6% in tier
Non-Interest-Bearing Deposit Share ? 27.64%
+1.6% YoY +4.9% QoQ
+6.36% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.01%
-46.1% YoY +610.8% QoQ
-0.66% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Top 5.2% in tier
Tier 1 Capital Ratio ? 12.77%
+0.1% YoY -0.2% QoQ
-2.07% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.30%
+15.6% YoY +87.3% QoQ
-0.23% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
51%

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 27.6%
+0.4pp YoY
+1.3pp QoQ
 +6.3pp 21.4% 22.3% 22.2% 78%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 8.9%
+1.1pp YoY
+0.5pp QoQ
 -5.1pp 14.0% 12.6% 12.5% 39%
CRE 83.9%
0.0pp YoY
-0.6pp QoQ
 +33.9pp 50.0% 28.8% 41.4% 97%
1-4 Family 4.3%
0.0pp YoY
+0.3pp QoQ
 -22.1pp 26.4% 26.7% 31.3% 6%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.5pp 4.7% 4.6% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 23.3% 19.7% n/a
Leverage Ratio 12.8%
0.0pp YoY
0.0pp QoQ
 +1.5pp 11.3% 12.6% 12.6% 83%
Total Capital Ratio n/a n/a 16.7% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 426
-5 (-1.2%) YoY
+9 (+2.2%) QoQ
 +112 313 70 482 80%
Assets per Employee ($) $9.1M
+7.9% YoY
-1.2% QoQ
 -$1.4M $10.5M $7.1M $8.8M 54%
Branch Count 34
-2 (-5.6%) YoY
0 QoQ
 +14 20 6 18 85%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 0.8% 1.0% 3%
Allowance Coverage 62.64x
-71.2% YoY
-85.7% QoQ
 +43.93x 18.71x 22.44x 20.23x 97%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 13.5%
+1.4pp YoY
+1.4pp QoQ
 +0.9pp 12.6% 14.3% 11.6% 62%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.6% 1.7% 21%
Net Income ($, YTD) $29.7M
+28.3% YoY
— QoQ
 +$10.5M $19.2M $3.7M $40.4M 82%

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 (1)

Credit Quality Leader

growth
#105 of 221 • Top 47.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#14 of 492 • Bottom 2.6% in tier

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

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#64 of 402 • Bottom 15.7% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

47
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#47 of 885 Top 5.2% in $1B-$10B
56
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.87%
#56 of 882 Top 6.2% in $1B-$10B
95
Loan-to-Deposit Ratio
liquidity
Value: 64.96%
Peer Median: 85.04%
#95 of 885 Top 10.6% in $1B-$10B
168
Efficiency Ratio
profitability
Value: 48.39%
Peer Median: 59.73%
#168 of 885 Top 18.9% in $1B-$10B
182
Total Assets
size
Value: $3.86B
Peer Median: $2.79B
#182 of 885 Top 20.5% in $1B-$10B
184
Total Deposits
size
Value: $3.19B
Peer Median: $2.32B
#184 of 885 Top 20.7% in $1B-$10B
192
Non-Interest-Bearing Deposit Share
funding
Value: 27.64%
Peer Median: 21.27%
#192 of 885 Top 21.6% in $1B-$10B

Top Weaknesses (1 metrics)

675
Net Interest Margin
profitability
Value: 3.26%
Peer Median: 3.87%
#675 of 885 Bottom 23.8% in $1B-$10B
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