TellerScore

Nbkc Bank (FDIC certificate #35014) is based in Leawood, Kansas. Its Q2 2026 call report shows $1.2B in total assets and $1.0B in deposits and 4 offices across 2 states.

Nbkc Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 93% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 43rd. Capital cushion contributes the most (100/100, 17.13%); loan quality contributes the least (52/100, 1.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.13%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.45%
Earnings100/100
Return on assets (annualized): 2.23%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 89.8% · 7.7% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.00%

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 6 points (88 → 82), mostly because the loan quality component weakened by 19 points.

TellerScore
818792Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202492
Q4 202490
Q1 202588
Q2 202588
Q3 202585
Q4 202586
Q1 202681
Q2 202682
Tier 1 leverage ratio
5.00%11.89%18.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.76%
Q3 202418.78%
Q4 202416.51%
Q1 202517.20%
Q2 202517.54%
Q3 202517.91%
Q4 202516.70%
Q1 202617.35%
Q2 202617.13%
Noncurrent loans
0.45%0.95%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.45%
Q4 20240.62%
Q1 20250.75%
Q2 20250.86%
Q3 20251.19%
Q4 20251.11%
Q1 20261.28%
Q2 20261.45%
Return on assets
1.66%2.37%3.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.19%
Q3 20242.37%
Q4 20243.07%
Q1 20251.85%
Q2 20252.99%
Q3 20252.77%
Q4 20252.74%
Q1 20261.66%
Q2 20262.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$1.2B17.13%1.45%2.23%89.8%
Q1 202681$1.2B17.35%1.28%1.66%88.8%
Q4 202586$1.3B16.70%1.11%2.74%85.8%
Q3 202585$1.2B17.91%1.19%2.77%90.0%
Q2 202588$1.1B17.54%0.86%2.99%88.8%
Q1 202588$1.1B17.20%0.75%1.85%88.9%
Q4 202490$1.1B16.51%0.62%3.07%85.9%
Q3 202492$1.1B18.78%0.45%2.37%88.9%
Q2 202492$1.1B17.76%0.50%2.19%85.3%

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).

Capital ratio17.13%
96th
Total risk-based capital23.30%
95th
Problem loans1.45%
17th
Net charge-offs0.04%
48th
Return on assets2.23%
94th
Net interest margin3.79%
55th
Efficiency ratio77.2%
9th
Loans to deposits89.8%
41st
Uninsured deposits7.7%
97th
Loan-loss reserves1.29%
68th
Texas ratio6.0%
32nd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs
Bank of LaborBank Overland Park, KS41 out of 100, Below average$1.1B8.0%3.15%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
The Bennington State BankBank Salina, KS75 out of 100, Strong$1.4B9.5%0.29%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs

Deposit insurance

Is my money safe at Nbkc Bank?

Yes. Nbkc Bank is an FDIC-insured institution (FDIC certificate #35014). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.7% of deposits ($77.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.30% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Nbkc Bank lists 4 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Nbkc Bank
Former names
Horizon National Bank; National Bank of Kansas City
Type
State-chartered bank
FDIC certificate #
35014
RSSD ID
2747587
Primary regulator
FDIC
Holding company
Ameri-National Corp
Established
March 30, 1999
Headquarters
3510 W 95th St, Leawood, KS 66206
Employees
364

Quick answers

Nbkc Bank: common questions

Is Nbkc Bank FDIC insured?

Yes. Nbkc Bank is an FDIC-insured institution (FDIC certificate #35014). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Nbkc Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Nbkc Bank ever failed?

There is no failure record for FDIC certificate #35014 in the FDIC failed bank list.

How many branches does Nbkc Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Leawood

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs