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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Lead Bank

Kansas City, Missouri · $2.76B in assets · beside the 11 other Missouri banks between $1B and $3B

The filing

46.1%
Loans / deposits
1st of 12
80.8%
Efficiency
12th of 12
3.26%
NPA / loans
11th of 12

Lead Bank is the largest of the 12 Missouri banks nearest its size between $1B and $3B, with $2.76B in assets at 30 June 2026. Loans are 46.1% of deposits, the lowest in the cohort against a median of 95.0%, and equity is 8.8% of assets, 9th of 12. Loans grew +26.7% in the year, 3rd of 12, and deposits grew 61.4%; the cohort's median loan growth is +8.4%.

Noncurrent loans are 3.26% of the book, 11th of 12 against a median of 0.78%; 5.03% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 0.87% of loans, the highest in the cohort. Commercial real estate is 25.4% of loans, 5th of 12 against a median of 33.7%, and 136% of capital, below the 300% screen, with construction at 43% against the 100% screen. CRE has grown +56.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.55%, 6th of 12 against a median of 1.42%, on an efficiency ratio of 80.8%, the highest in the cohort. Five years ago it was 1.22%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMO banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 95.0% LB Lead Bank 46.1% NV Nodaway Valley Bank 74.2% HN HNB National Bank 75.0% SB Sterling Bank 78.2% HB Hawthorn Bank 93.1% CC Cass Commercial Bank 94.3% LB Legacy Bank & Trust Co. 95.7% SB Sullivan Bank 96.9% GB Guaranty Bank 97.6% OB Omb Bank 99.6% BB BTC Bank 107.0% FB First Bank of the Lake 107.3%
Loans, year over yearMO banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.4% BB BTC Bank +37.5% HN HNB National Bank +36.6% LB Lead Bank +26.7% FB First Bank of the Lake +20.7% OB Omb Bank +18.3% SB Sullivan Bank +11.6% NV Nodaway Valley Bank +5.1% SB Sterling Bank +1.5% CC Cass Commercial Bank +0.5% GB Guaranty Bank +0.0% HB Hawthorn Bank -3.2% LB Legacy Bank & Trust Co. -6.7%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Lead BankRankCohort median
Total CRE against capital, the 300% screen136%4th of 12192%
Construction against capital, the 100% screen43%4th of 1267%
Construction and land development, share of loans8.0%4th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans15.1%8th of 1210.3%
Total CRE, the guidance definition, share of loans25.4%5th of 1233.7%
CRE growth over 36 months, the third prong+56.7%9th of 12+31.2%
Commercial real estate against capital, the 300% screenMO banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 192% CC Cass Commercial Bank 30% FB First Bank of the Lake 61% BB BTC Bank 80% LB Lead Bank 136% HN HNB National Bank 176% NV Nodaway Valley Bank 190% SB Sterling Bank 195% HB Hawthorn Bank 260% OB Omb Bank 298% SB Sullivan Bank 324% GB Guaranty Bank 386% LB Legacy Bank & Trust Co. 483%
CRE growth over 36 months, the guidance's third prongMO banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +31.2% CC Cass Commercial Bank -19.5% SB Sterling Bank -10.1% HB Hawthorn Bank -9.7% NV Nodaway Valley Bank +13.3% GB Guaranty Bank +23.8% LB Legacy Bank & Trust Co. +26.4% SB Sullivan Bank +36.0% OB Omb Bank +43.1% LB Lead Bank +56.7% BB BTC Bank +89.2% HN HNB National Bank +141.5% FB First Bank of the Lake +685.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lead Bank$2.76B1.6%80.8%3.26%0.87%2.3%46.1%8.8%
Guaranty Bank$2.38B0.9%60.8%0.88%0.00%1.5%97.6%16.5%
Omb Bank$2.36B1.3%47.3%0.83%0.04%1.6%99.6%8.8%
First Bank of the Lake$2.34B0.8%62.6%3.70%0.61%0.7%107.3%7.3%
BTC Bank$1.91B0.8%67.7%0.72%0.00%1.2%107.0%9.1%
Legacy Bank & Trust Co.$1.85B1.2%55.5%1.47%0.00%1.2%95.7%12.3%
Hawthorn Bank$1.76B1.6%58.6%0.47%0.03%1.5%93.1%10.6%
Nodaway Valley Bank$1.62B2.1%52.9%0.00%-0.04%1.3%74.2%9.2%
Sterling Bank$1.56B1.6%52.3%0.35%0.02%1.3%78.2%11.2%
Sullivan Bank$1.40B1.1%54.5%1.45%0.01%1.2%96.9%8.6%
Cass Commercial Bank$1.33B2.2%36.2%0.16%0.00%1.3%94.3%14.6%
HNB National Bank$1.31B2.2%45.0%0.06%0.00%1.1%75.0%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Lead BankCohort median
20212026Change20212026Change
Loans$572M$1.14B+99%$665M$1.30B+96%
Deposits$658M$2.46B+274%$603M$1.48B+146%
NPA / loans0.61%3.26%+2.65 pts0.13%0.78%+0.65 pts
Efficiency88.9%80.8%-8.2 pts51.4%55.0%+3.6 pts
ROA1.22%1.55%+0.33 pts1.38%1.42%+0.03 pts

This read was prepared for Lead Bank'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 Lead Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $1B to $3B
Institution www.lead.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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