BlastPoint's Banking Scorecard
Central Bank of Kansas City
Micro
Specialty: Commercial
MO
FDIC cert 17009
Designations: ✓ Community bank
Kansas City, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Central Bank of Kansas City shows strong momentum with 5 strengths and 16.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.76% above tier
- + Net Interest Margin 1.16% above tier
- + Efficiency Ratio 38.71% below tier
- + Non-Interest-Bearing Deposit Share 27.11% above tier
- + Non-Interest Income / Assets 3.70% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$413.6M
+16.0% YoY
+10.3% QoQ
|
+$196.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$325.5M
+13.0% YoY
+11.4% QoQ
|
+$186.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$351.5M
+18.7% YoY
+11.8% QoQ
|
+$167.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
4.84%
-2.9% YoY
-13.7% QoQ
|
+3.76% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.01%
+18.8% YoY
-1.6% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
29.01%
+0.9% YoY
+10.2% QoQ
|
-38.71% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.14% | -0.50% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
92.61%
-4.8% YoY
-0.3% QoQ
|
+18.09% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
49.51%
-13.0% YoY
+4.1% QoQ
|
+27.11% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.11% | -0.34% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
13.05%
-10.5% YoY
-7.9% QoQ
|
+4.20% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
4.26%
-3.7% YoY
+0.6% QoQ
|
+3.70% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.84%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.01%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
29.01%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.51%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.26%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 4.84% · Tier avg: 1.08%
100
100th pctile
Efficiency Ratio
Current: 29.01% · Tier avg: 67.73%
99
99th pctile
Non-Interest Income / Assets
Current: 4.26% · Tier avg: 0.56%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.51% · Tier avg: 22.39%
96
96th pctile
Total Loans
Current: $325.5M · Tier avg: $139.2M
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
90
90th pctile
Total Deposits
Current: $351.5M · Tier avg: $183.7M
90
90th pctile
Total Assets
Current: $413.6M · Tier avg: $217.5M
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 8.85%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.61% · Tier avg: 74.53%
Top Weaknesses
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.61% · Tier avg: 74.53%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
90
90th pctile
Total Assets
Current: $413.6M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $351.5M · Tier avg: $183.7M
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
96
96th pctile
Total Loans
Current: $325.5M · Tier avg: $139.2M
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.51% · Tier avg: 22.39%
99
99th pctile
Non-Interest Income / Assets
Current: 4.26% · Tier avg: 0.56%
100
100th pctile
Efficiency Ratio
Current: 29.01% · Tier avg: 67.73%
100
100th pctile
Return on Assets
Current: 4.84% · Tier avg: 1.08%