Central Bank of Kansas City: how it compares with its peers
Against 78 MO banks with half to twice its assets, Central Bank of Kansas City's strongest measure in Q2 2026 is return on assets (2.94% vs. a 1.55% peer median). Its weakest relative measure is net interest margin (4.78% vs. 4.15%).
| Measure | Central Bank of Kansas City | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.94% | 1.55% | Top third Ahead of 99% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.78% | 4.15% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.78% | 57.45% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.6M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.90% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 37.78% is better than the 57.45% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Branson Bank Branson, MO · $414M
- MA Bank Macon, MO · $417M
- Bank of Franklin County Washington, MO · $419M
- Pony Express Bank Braymer, MO · $399M
- Heritage Bank of the Ozarks Lebanon, MO · $424M
- Alliance Bank Cape Girardeau, MO · $391M
Questions about Central Bank of Kansas City
How big is Central Bank of Kansas City?
Central Bank of Kansas City, established in 1950, is headquartered in Kansas City, MO. It reported $410M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Central Bank of Kansas City's return on assets?
2.94% annualized in Q2 2026, against a 1.55% median for 78 MO banks with half to twice its assets, ahead of 99% of them.
What is Central Bank of Kansas City's efficiency ratio?
37.78% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 57.45%, and lower is better.
Is Central Bank of Kansas City growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 13.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.