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Overview / Commentary
10700 Nall Avenue
Overland Park, KS 66211

National Bank of Kansas City is headquartered in Overland Park and is the 24th largest bank in the state of Kansas. It is also the 1,246th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 220 employees at 6 locations. National Bank of Kansas City's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 National Bank of Kansas City had $4.69 million in non-current loans and owned real-estate with $77.64 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Kansas City a Texas Ratio of 6.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for National Bank of Kansas City experienced no significant changes from 5.97% as of March 31, 2013 to 6.04% as of March 31, 2014, resulting in a negative change of 1.10%. This indicates that the balance sheet and financial strength for National Bank of Kansas City has had no significant changes in recent periods.

Deposit Growth


In the past year, National Bank of Kansas City has decreased its total deposits by -$10.38 million, resulting in -3.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth National Bank of Kansas City has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. National Bank of Kansas City has $541.65 million in assets with $77.64 million in equity, resulting in a capitalization level of 14.33%, which is excellent.

Institution Statistics

FDIC Certificate #35014
Year Established1999
Primary RegulatorOCC
Assets and Liabilities
Assets$541.65 million
Loans$234.93 million
Deposits$321.12 million
Equity Capital$71.96 million
Loan Loss Allowance$5.67 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$931,000
Historic Data - March 2013
Assets$605.15 million
Equity Capital$104.04 million
Loan Loss Allowance$5.40 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$1.99 million
Profit Margin - Quarterly
Net Interest Margin1.5%
Return on Assets-1.01%
Return on Equity-6.79%
Interest Income$3.87 million

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National Bank of Kansas City Savings Account Rates

0.30%--Health Savings Account
0.30%--Christmas Club Savings Account
0.25%$5k-Personal Savings Account
0.25%$5k-Youth Savings Account
0.25%$5k-Business Savings Account

National Bank of Kansas City Money Market Rates

0.50%$100k-Personal Money Market
0.50%$100k-Money Market IRA
0.50%$100k-Money Market Roth IRA
0.30%$100k-Business Money Market

National Bank of Kansas City Checking Account Rates

0.50%$50k-Investment Plus Checking
0.30%--Silver Checking
0.05%--Direct Deposit Checking
0.05%--Low Minimum Checking

National Bank of Kansas City CD Rates

1.40%--60 Month CD
1.40%--Business 60 Month CD
1.30%--60 Month Jumbo CD
1.30%--Business 60 Month Jumbo CD
1.20%--48 - 59 Month CD
1.20%--Business 48 - 59 Month CD
1.10%--48 - 59 Month Jumbo CD
1.10%--Business 48 - 59 Month Jumbo CD
1.00%--36 - 47 Month CD
1.00%--Business 36 - 47 Month CD
0.90%--36 - 47 Month Jumbo CD
0.90%--Business 36 - 47 Month Jumbo CD
0.80%--24 - 35 Month CD
0.80%--Business 24 - 35 Month CD
0.70%--24 - 35 Month Jumbo CD
0.70%--Business 24 - 35 Month Jumbo CD
0.60%--12 - 23 Month CD
0.60%--Business 12 - 23 Month CD
0.50%--12 - 23 Month Jumbo CD
0.50%--Business 12 - 23 Month Jumbo CD
0.15%--6 - 11 Month CD
0.15%--Business 6 - 11 Month CD
0.05%--3 - 5 Month CD
0.05%--Business 3 - 5 Month CD
0.05%--3 - 5 Month Jumbo CD
0.05%--Business 3 - 5 Month Jumbo CD
0.05%--6 - 11 Month Jumbo CD
0.05%--Business 6 - 11 Month Jumbo CD

National Bank of Kansas City IRA Rates

1.40%--60 Month IRA
1.30%--60 Month Jumbo IRA
1.20%--48 - 59 Month IRA
1.10%--48 - 59 Month Jumbo IRA
1.00%--36 - 47 Month IRA
0.90%--36 - 47 Month Jumbo IRA
0.80%--24 - 35 Month IRA
0.70%--24 - 35 Month Jumbo IRA
0.60%--12 - 23 Month IRA
0.50%--12 - 23 Month Jumbo IRA
0.15%--6 - 11 Month IRA
0.05%--6 - 11 Month Jumbo IRA

National Bank of Kansas City Locations
National Bank Of Kansas City10700 Nall AveOverland Park, KS 66211
Excelsior Springs Branch2380 Vintage CourtExcelsior Springs, MO 64024
Platte City Branch2443 Northwest Prairie View RoadPlatte City, MO 64079
Lee's Summit Branch350 Southwest Blue ParkwayLees Summit, MO 64063
Leawood Branch3510 W 95th StreetLeawood, KS 66206
Ash Avenue Branch9750 North Ash AvenueKansas City, MO 64157