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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 29047 · MO D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4152/4307
  • PHOTO-FINISH GSL Savings Bank · NJ
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-LOSS -0.53% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: GSL Savings Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Federal Bank of Kansas City

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Central Federal Savi… · IL ·…48/100First Federal Bank o… · MO ·…48/100GSL Savings Bank · NJ · near48/100The Pioneer Savings… · OH · …48/100United Fidelity Bank… · IN ·…48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Bank of Kansas City · July 2026

Call Report read for First Federal Bank of Kansas City in a high-failure state

First Federal Bank of Kansas City (FDIC Cert #29047) carries a PlainBankData health grade of D at 48/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,152 of 4,307. Tier 1 capital prints at 11.14%, clearing the 10% well-capitalized line. The Texas Ratio is 4.87%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.53%. Balance-sheet scale is $976M, 1,067th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is GSL Savings Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Federal Bank of Kansas City

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

First Federal Bank of Kansas City sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about First Federal Bank of Kansas City's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

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.

0/100100/100National avg77/10048/100
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 Assets

$976M

Total balance-sheet footings

Total Deposits

$665M

Customer-funded liabilities

Net Loans

$739M

Outstanding loan book

Net Income

$-5,252K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.74% 11.14% 12.54%
Basel III capital ratios - First Federal Bank of Kansas City

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Federal Bank of Kansas City 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First Federal Bank of Kansas City

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

What these ratios mean →

Profitability metrics: First Federal Bank of Kansas City

Return on Assets (ROA)
3rd percentile nationally
-0.53%
Return on Equity (ROE)
-4.97%
Efficiency Ratio
96.55%

What these mean →

Income & expense: loss period at First Federal Bank of Kansas City

$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.

FDIC Failed Bank List → View First Federal Bank of Kansas City on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($976M here), outside Missouri so the neighborhood is not state containment.

Ciera Bank $975M · TX HCN Bank $975M · CA Capra Bank $978M · IA First National Bank and Trust Company… $979M · TX

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.

First Federal Bank of Kansas City Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%