Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
Central Bank of Kansas City
Kansas City, MO · FDIC cert 17009
· class NM
· primary regulator FDIC
· charter STATE
· holding company Central Bancshares KS Cty Inc
total assets $410mn · band $300mn-1bn · established 1950 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
total assets $410mn · band $300mn-1bn · established 1950 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 268% total 298% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 18.1% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | 20.9% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | not reported | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | not reported | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 11.9% | < 9% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 6.8% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the leverage-only (CBLR) basis this bank files on.
Its market · branches as of 30 June 2025
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 294 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
2 branches · 100% of the bank's
CMBS in the metro
90 loans
2.2% distressed · retail 0.0% · office 0.0%
Behind the door
27 on the forward watch
$703mn not yet in special servicing · 2 in special servicing with commentary · 4 WARN notices in 90 days (61 jobs)
Peers · the same asset band, nationally and in Kansas City, MO-KS
Every cohort is inside an asset band ($300mn-1bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
$300mn-1bn, nationally
1,438 banks
Investor CRE / capital
83th pct
1,184 below · 1 at the same value · 250 above
Construction / capital
26th pct
366 below · 1 at the same value · 1,068 above
$300mn-1bn, in Kansas City, MO-KS
26 banks
Investor CRE / capital
77–81th pct
20 below · 1 at the same value · 5 above
Construction / capital
12–15th pct
3 below · 1 at the same value · 22 above
banks with a branch in this metro, from the 2025 Summary of Deposits. This metro holds 2 of the bank's 2 branches (100%); the bank operates in 1 metro.
Of the 1,438 banks in the $300mn-1bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 142 of 1,435 (9.9%); CRE at or above 300% of capital — 166 of 1,435 (11.6%); ... and the book grew 50% or more in 36 months — criterion 2 — 45 of 1,435 (3.1%); Over either criterion — 169 of 1,435 (11.8%); Total risk-based capital below 10% (risk-based filers) — 2 of 822 (0.2%); Tier 1 risk-based capital below 8% (risk-based filers) — 1 of 822 (0.1%); Tier 1 leverage below 5% (risk-based filers) — 0 of 822 (0.0%); Tier 1 leverage below 9% (CBLR filers) — 13 of 613 (2.1%); Below a well-capitalized line, on the filer's own basis — 15 of 1,435 (1.0%); Brokered deposits at or above 10% of assets — 131 of 1,435 (9.1%).
What moves faster than the Call Report
Forward transfer-risk watch
27 loans
$703mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
2 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
4 notices
61 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
none
no watch dossier has been written for this bank; the absence is a fact about the watchlist, not about the bank.
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2025), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 294 metros with both readings on each lens (snapshot 2026-09-15) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (leverage only); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-09-16. Banks under the Call Report tape's $100mn floor have no page.
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