Lead Bank (FDIC certificate #8283) is based in Kansas City, Missouri. Its Q2 2026 call report shows $2.8B in total assets and $2.5B in deposits and 2 offices.
Lead Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 189th. Funding & liquidity contributes the most (84/100, 45% loans-to-deposits, 30% uninsured); loan quality contributes the least (0/100, 3.26%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (54 → 44), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 60 |
| Q4 2024 | 58 |
| Q1 2025 | 53 |
| Q2 2025 | 54 |
| Q3 2025 | 56 |
| Q4 2025 | 51 |
| Q1 2026 | 51 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.56% |
| Q3 2024 | 9.75% |
| Q4 2024 | 8.44% |
| Q1 2025 | 7.71% |
| Q2 2025 | 7.30% |
| Q3 2025 | 8.54% |
| Q4 2025 | 7.84% |
| Q1 2026 | 7.55% |
| Q2 2026 | 7.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.03% |
| Q3 2024 | 1.91% |
| Q4 2024 | 1.98% |
| Q1 2025 | 1.83% |
| Q2 2025 | 1.79% |
| Q3 2025 | 1.92% |
| Q4 2025 | 2.07% |
| Q1 2026 | 2.31% |
| Q2 2026 | 3.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.91% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $2.8B | 7.40% | 3.26% | 1.59% | 45.0% |
| Q1 2026 | 51 | $2.7B | 7.55% | 2.31% | 1.59% | 45.1% |
| Q4 2025 | 51 | $2.6B | 7.84% | 2.07% | 1.34% | 45.5% |
| Q3 2025 | 56 | $2.0B | 8.54% | 1.92% | 1.43% | 52.5% |
| Q2 2025 | 54 | $1.7B | 7.30% | 1.79% | 1.31% | 58.2% |
| Q1 2025 | 53 | $1.7B | 7.71% | 1.83% | 1.21% | 52.1% |
| Q4 2024 | 58 | $1.6B | 8.44% | 1.98% | 1.91% | 54.7% |
| Q3 2024 | 60 | $1.1B | 9.75% | 1.91% | 1.68% | 75.2% |
| Q2 2024 | 56 | $1.1B | 9.56% | 2.03% | 1.55% | 81.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest BankCentreBank Lemay, MO | 69 out of 100, Moderate | $3.1B | 12.1% | 1.07% | vs |
| Guaranty BankBank Springfield, MO | 68 out of 100, Moderate | $2.4B | 12.3% | 0.88% | vs |
| Omb BankBank Springfield, MO | 62 out of 100, Moderate | $2.4B | 9.2% | 0.83% | vs |
| First Bank of the LakeBank Osage Beach, MO | 26 out of 100, Low | $2.3B | 7.1% | 3.70% | vs |
| North American Savings Bank, F.S.B.Bank Grandview, MO | 76 out of 100, Strong | $3.2B | 14.2% | 0.90% | vs |
| Academy Bank, National AssociationBank Kansas City, MO | 73 out of 100, Strong | $3.2B | 14.3% | 1.05% | vs |
Deposit insurance
Is my money safe at Lead Bank?
Yes. Lead Bank is an FDIC-insured institution (FDIC certificate #8283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.0% of deposits ($739.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.40%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.60% (benchmark: 10%).
2 locations
Branches
Lead Bank lists 2 offices in 2 cities. Most locations:
- Kansas City, MO (1)
- Lees Summit, MO (1)
Identity & history
Profile
- Legal name
- Lead Bank
- Former names
- Garden City Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8283
- RSSD ID
- 893855
- Primary regulator
- FDIC
- Holding company
- Luna Parent Inc
- Established
- January 12, 1928
- Headquarters
- 1801 Main St, Kansas City, MO 64108
- Website
- www.lead.bank
- Employees
- 335
Quick answers
Lead Bank: common questions
Is Lead Bank FDIC insured?
Yes. Lead Bank is an FDIC-insured institution (FDIC certificate #8283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lead Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lead Bank ever failed?
There is no failure record for FDIC certificate #8283 in the FDIC failed bank list.
How many branches does Lead Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kansas City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| K.U.M.C. Credit UnionCredit union Shawnee, KS | 95 out of 100, Very strong | $31.4M | 13.8% | 0.04% | vs |
| The Bank of Grain ValleyBank Grain Valley, MO | 95 out of 100, Very strong | $110.6M | 24.0% | 0.00% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| Reliance Credit UnionCredit union Kansas City, KS | 93 out of 100, Very strong | $25.1M | 16.4% | 0.30% | vs |