BlastPoint's Banking Scorecard
First Federal Bank of Kansas City
Community
Specialty: Mortgage
MO
FDIC cert 29047
Designations: ✓ Mutual
Lees Summit, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First Federal Bank of Kansas City faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 11% in Community
- - Liquidity Strain: Bottom 38% in Community
- - Return on Assets 1.58% below tier
- - Net Interest Margin 1.30% below tier
- - Efficiency Ratio 33.92% above tier
- - Non-Interest-Bearing Deposit Share 11.89% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$975.9M
-0.6% YoY
-1.6% QoQ
|
-$415.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$738.8M
-1.7% YoY
-1.0% QoQ
|
-$236.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$664.7M
-1.9% YoY
-2.0% QoQ
|
-$499.9M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
-0.42%
+39.9% YoY
|
-1.58% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.36%
-6.1% YoY
-4.5% QoQ
|
-1.30% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
96.55%
-7.3% YoY
-2.0% QoQ
|
+33.92% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.76%
+21.3% YoY
-7.1% QoQ
|
+0.13% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
111.16%
+0.2% YoY
+1.0% QoQ
|
+28.10% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.15%
+6.4% YoY
-8.0% QoQ
|
-11.89% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.67%
+27.0% YoY
+0.9% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.51%
-3.7% YoY
+65.9% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#50 of 432 · Bottom 11% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#196 of 513 · Bottom 38% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
111.16%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.42%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.36%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
96.55%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.15%
(Tier avg: 21.05%, National avg: 21.79%)
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
53
53th pctile
Total Loans
Current: $738.8M · Tier avg: $975.5M
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
48
48th pctile
Total Assets
Current: $975.9M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $664.7M · Tier avg: $1.2B
33
33th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.15% · Tier avg: 21.05%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.66%
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.16% · Tier avg: 83.06%
2
2th pctile
Efficiency Ratio
Current: 96.55% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -0.42% · Tier avg: 1.16%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -0.42% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 96.55% · Tier avg: 62.63%
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.16% · Tier avg: 83.06%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.15% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
33
33th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
35
35th pctile
Total Deposits
Current: $664.7M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $975.9M · Tier avg: $1.4B
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
53
53th pctile
Total Loans
Current: $738.8M · Tier avg: $975.5M