Total Assets
$976M
Total balance-sheet footings
FDIC Cert #29047 · Lees Summit, Missouri · Est. 1934
First Federal Bank of Kansas City - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $976M
- Total assets
- D
- Health grade · Weak
- -0.53%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Bank of Kansas City earns a PlainBankData health grade of D (48/100), with well-capitalized at 11.14% Tier 1, -0.53% ROA, 97% efficiency ratio.
- #1,067
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 11.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Federal Bank of Kansas City's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Bank of Kansas City's composite health score
Tier 1 Capital Ratio (11.14%) 28/40
Return on Assets (ROA) (-0.53%) 0/25
Texas Ratio (4.87%) 20/20
Efficiency Ratio (96.55%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$665M
Customer-funded liabilities
Net Loans
$739M
Outstanding loan book
Net Income
$-5,252K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Bank of Kansas City ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Bank of Kansas City's score of 48/100 falls in the highlighted band.
First Federal Bank of Kansas City'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). First Federal Bank of Kansas City's $976M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.14%
Texas Ratio
4.87%
Equity Capital
$104M
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.53%
Return on Equity (ROE)
-4.97%
Efficiency Ratio
96.55%
What the numbers say about First Federal Bank of Kansas City
First Federal Bank of Kansas City is an FDIC-insured institution (Certificate #29047) headquartered in Lees Summit, Missouri, established in 1934. It holds $976M in total assets - 1,067th of 4,313 FDIC-insured banks, $665M in customer deposits, and $739M in net loans. Its capital position: a Tier 1 ratio of 11.14%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.87% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (48 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Federal Bank of Kansas City sits 38th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$48M
Interest Income
$5M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Bank of Kansas City reports a Texas Ratio of 4.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Federal Bank of Kansas City
First Federal Bank of Kansas City's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,252K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Federal Bank of Kansas City up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Bank of Kansas City (FDIC Cert #29047) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is First Federal Bank of Kansas City's health grade?▼
First Federal Bank of Kansas City receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First Federal Bank of Kansas City?▼
First Federal Bank of Kansas City holds $976M in total assets and $665M in deposits, ranking 1,067th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lees Summit, Missouri.
Is my money safe at First Federal Bank of Kansas City?▼
Yes, deposits at First Federal Bank of Kansas City (Certificate #29047) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Bank of Kansas City's Tier 1 Capital Ratio?▼
First Federal Bank of Kansas City has a Tier 1 Capital Ratio of 11.14%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Federal Bank of Kansas City?▼
First Federal Bank of Kansas City has a Texas Ratio of 4.87%. 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 First Federal Bank of Kansas City?▼
First Federal Bank of Kansas City has an Efficiency Ratio of 96.55%. 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 First Federal Bank of Kansas City's profile as a depositor or analyst.
- First Federal Bank of Kansas City's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Bank of Kansas City against other Missouri banks before moving funds. Missouri 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.