First Federal Bank of Kansas County
Lees Summit, Missouri · $993M in assets · beside the 11 other Missouri banks between $300M and $1B
The filing
First Federal Bank of Kansas County is the second largest of the 12 Missouri banks nearest its size between $300M and $1B, with $993M in assets at 30 June 2026. Loans are 111.1% of deposits, the highest in the cohort against a median of 92.1%, and equity is 10.7% of assets, 3rd of 12. Loans grew +1.0% in the year, 8th of 11, and deposits grew 2.7%; the cohort's median loan growth is +5.0%.
Noncurrent loans are 0.45% of the book, 6th of 11 against a median of 0.45%; 0.30% is 30 to 89 days past due, and the allowance covers them 2.9 times. Net charge-offs are 0.29% of loans, 10th of 11. Commercial real estate is 10.8% of loans, the lowest in the cohort against a median of 32.5%, and 74% of capital, below the 300% screen, with construction at 67% against the 100% screen.
Return on assets is 0.41%, 11th of 12 against a median of 1.54%, on an efficiency ratio of 84.3%, the highest in the cohort. Five years ago it was 0.37%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.
Commercial real estate against capital
| First Federal | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 74% | 2nd of 12 | 196% |
| Construction against capital, the 100% screen | 67% | 6th of 12 | 68% |
| Construction and land development, share of loans | 9.7% | 4th of 11 | 11.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 0.3% | 1st of 11 | 14.1% |
| Total CRE, the guidance definition, share of loans | 10.8% | 1st of 11 | 32.5% |
| CRE growth over 36 months, the third prong | +20.0% | 3rd of 11 | +48.0% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $995M | 1.5% | 46.6% | 0.00% | -0.04% | 1.7% | 73.0% | 7.1% | |
| $993M | 0.4% | 84.3% | 0.45% | 0.29% | 1.3% | 111.1% | 10.7% | |
| $949M | -1.4% | 69.2% | 6.61% | 3.20% | 2.5% | 91.2% | 10.5% | |
| $948M | 0.6% | 70.9% | 1.54% | 0.05% | 1.3% | 95.0% | 10.3% | |
| $947M | 1.6% | 59.0% | 0.07% | 0.04% | 1.2% | 80.5% | 10.6% | |
| $915M | 2.7% | 46.0% | 0.58% | -0.05% | 2.7% | 77.1% | 18.0% | |
| $911M | 3.3% | 38.9% | no record | no record | no record | 0.0% | 5.8% | |
| $908M | 1.5% | 51.8% | 2.27% | 0.01% | 1.6% | 62.2% | 8.7% | |
| $867M | 1.4% | 56.8% | 0.13% | 0.00% | 1.7% | 93.2% | 9.9% | |
| $854M | 1.2% | 64.8% | 0.29% | -0.01% | 1.1% | 96.7% | 8.4% | |
| $854M | 1.7% | 64.4% | 0.85% | 0.05% | 1.2% | 104.9% | 12.1% | |
| $850M | 1.9% | 51.2% | 0.13% | 0.04% | 0.9% | 92.9% | 8.9% |
| First Federal | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $546M | $771M | +41% | $428M | $676M | +58% |
| Deposits | $608M | $694M | +14% | $616M | $748M | +22% |
| NPA / loans | 0.34% | 0.45% | +0.11 pts | 0.34% | 0.45% | +0.11 pts |
| Efficiency | 83.6% | 84.3% | +0.7 pts | 63.6% | 57.9% | -5.8 pts |
| ROA | 0.37% | 0.41% | +0.03 pts | 1.24% | 1.54% | +0.30 pts |
This read was prepared for First Federal Bank of Kansas County's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on First Federal Bank of Kansas County is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution www.ffbkc.com
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