Small Business Bank no longer operates under this certificate. It failed on July 17, 2026. See the failure record.
Headquartered in Lenexa, Kansas, Small Business Bank is a state-chartered bank (fed member) with $72.9M in total assets and $68.8M in deposits as of Q1 2026. Its charter dates back to 1984.
Based on its Q1 2026 filing, Small Business Bank scores 11/100, which we describe as low. That is higher than only 0% of 555 banks with under $100 million in assets. Among 188 banks headquartered in Kansas, it ranks 188th. Its strongest component is funding & liquidity (73/100; 87% loans-to-deposits, 10% uninsured), and its lowest is problem-loan coverage (0/100; 55.5%).
TellerScore · Q1 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.
8 quarters
Health trend
From Q1 2025 to Q1 2026, the score fell 24 points (35 → 11), mostly because the problem-loan coverage component weakened by 71 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 49 |
| Q4 2024 | 49 |
| Q1 2025 | 35 |
| Q2 2025 | 38 |
| Q3 2025 | 22 |
| Q4 2025 | 13 |
| Q1 2026 | 11 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.10% |
| Q3 2024 | 9.00% |
| Q4 2024 | 8.59% |
| Q1 2025 | 8.28% |
| Q2 2025 | 9.06% |
| Q3 2025 | 7.24% |
| Q4 2025 | 5.73% |
| Q1 2026 | 4.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.80% |
| Q1 2025 | 2.15% |
| Q2 2025 | 2.09% |
| Q3 2025 | 3.46% |
| Q4 2025 | 4.73% |
| Q1 2026 | 4.81% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.54% |
| Q3 2024 | -2.54% |
| Q4 2024 | -4.69% |
| Q1 2025 | -8.19% |
| Q2 2025 | -6.12% |
| Q3 2025 | -6.76% |
| Q4 2025 | -6.78% |
| Q1 2026 | -4.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q1 2026 | 11 | $72.9M | 4.83% | 4.81% | -4.29% | 87.2% |
| Q4 2025 | 13 | $73.0M | 5.73% | 4.73% | -6.78% | 90.6% |
| Q3 2025 | 22 | $77.7M | 7.24% | 3.46% | -6.76% | 89.1% |
| Q2 2025 | 38 | $83.6M | 9.06% | 2.09% | -6.12% | 85.4% |
| Q1 2025 | 35 | $85.2M | 8.28% | 2.15% | -8.19% | 85.6% |
| Q4 2024 | 49 | $87.1M | 8.59% | 0.80% | -4.69% | 85.6% |
| Q3 2024 | 49 | $91.6M | 9.00% | 0.92% | -2.54% | 84.3% |
| Q2 2024 | 51 | $94.2M | 9.10% | 0.76% | -1.54% | 88.6% |
555 peers · Under $100 million in assets
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union State BankBank Uniontown, KS | 61 out of 100, Moderate | $73.9M | 9.7% | 1.65% | vs |
| Argentine Federal SavingsBank Kansas City, KS | 53 out of 100, Below average | $70.5M | 11.4% | 1.70% | vs |
| Bank of HolyroodBank Holyrood, KS | 63 out of 100, Moderate | $69.3M | 17.5% | 3.14% | vs |
| The Howard State Bank, Howard, KansasBank Howard, KS | 80 out of 100, Strong | $79.4M | 11.8% | 0.73% | vs |
| CBW BankBank Weir, KS | 65 out of 100, Moderate | $66.0M | 28.7% | 0.87% | vs |
| Elevate Bank, National AssociationBank Sedan, KS | 70 out of 100, Strong | $63.1M | 11.1% | 0.06% | vs |
Deposit insurance
Is my money safe at Small Business Bank?
Small Business Bank is no longer an active bank in FDIC records (since 2026).
An estimated 9.9% of deposits ($6.8M) are above the $250,000 FDIC insurance limit, below the peer median of 15%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 4.83%, below the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.34% (benchmark: 10%).
Identity & history
Profile
- Legal name
- Small Business Bank
- Former names
- Gardner National Bank; Gardner Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 25744
- RSSD ID
- 663656
- Primary regulator
- FED
- Holding company
- Gardner Bancshares Inc
- Established
- November 7, 1984
- Headquarters
- 13423 W 92nd St, Lenexa, KS 66215
- Employees
- 12
Quick answers
Small Business Bank: common questions
Is Small Business Bank FDIC insured?
Small Business Bank is no longer an active bank in FDIC records (since 2026).
What is Small Business Bank's TellerScore?
11 out of 100 (Low), based on its Q1 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Small Business Bank ever failed?
FDIC records show Small Business Bank failed on July 17, 2026.