Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #1874 · Overland Park, Kansas · Est. 1924
Bank of Labor - FDIC Bank Health Profile
A community-scale look at Bank of Labor's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- C
- Health grade · Fair
- 0.93%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Labor earns a PlainBankData health grade of C (63/100), with well-capitalized at 13.87% Tier 1, 0.93% ROA, 71% efficiency ratio.
- #982
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 13.87%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of Labor's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Labor's composite health score
Tier 1 Capital Ratio (13.87%) 35/40
Return on Assets (ROA) (0.93%) 14/25
Texas Ratio (21.39%) 10/20
Efficiency Ratio (70.63%) 4/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$991M
Customer-funded liabilities
Net Loans
$354M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Labor ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Labor's score of 63/100 falls in the highlighted band.
Bank of Labor's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Labor's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.87%
Texas Ratio
21.39%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.93%
Return on Equity (ROE)
23.75%
Efficiency Ratio
70.63%
What the numbers say about Bank of Labor
Bank of Labor is an FDIC-insured institution (Certificate #1874) headquartered in Overland Park, Kansas, established in 1924. It holds $1.1B in total assets - 982nd of 4,313 FDIC-insured banks, $991M in customer deposits, and $354M in net loans. Its capital position: a Tier 1 ratio of 13.87%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 21.39% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (63 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Labor sits 17th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$47M
Interest Income
$8M
Non-Interest Income
$31M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Labor reports a Texas Ratio of 21.39% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
21.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Labor (FDIC Cert #1874) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Bank of Labor's health grade?▼
Bank of Labor receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Labor?▼
Bank of Labor holds $1.1B in total assets and $991M in deposits, ranking 982nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Overland Park, Kansas.
Is my money safe at Bank of Labor?▼
Yes, deposits at Bank of Labor (Certificate #1874) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Labor's Tier 1 Capital Ratio?▼
Bank of Labor has a Tier 1 Capital Ratio of 13.87%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Labor?▼
Bank of Labor has a Texas Ratio of 21.39%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Labor?▼
Bank of Labor has an Efficiency Ratio of 70.63%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Labor's profile as a depositor or analyst.
- Bank of Labor's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Labor against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.