Overview / Commentary
13423 West 92nd Street
Lenexa, KS 66215

Small Business Bank is headquartered in Lenexa and is the 168th largest bank in the state of Kansas. It is also the 4,693rd largest bank in the nation. It was established in 1984 and as of December of 2018, it had grown to 16 employees at 1 location. Small Business Bank's money market rates are 5X the national average, and it has an A health rating.

Reviews (2)

Best Small Business Checking Account

Posted by: Ttoc | Sep 10, 2013

This bank is also DBA smallbusinessbank.com.  They offer free checking, free debit card, and free remote deposit.  Free remote deposit allows you to deposit checks remotely.  I have not yet found another bank that offers similar service without a fee.  Also, this bank, being a small bank, offers very friendly services.  Employees are very friendly and very helpful.  I have been with them for a little less than a year, but I highly recommend their service.  I live in California, but I have no problem using their banking service.

Great Features, Horrible Technology

I love the account features like no minimums, phone deposit, no fees, high deposit limits.

Unfortunately, their technology platform is really bad. Apps for Android are very buggy. The web site does not show recent deposits. History is difficult to access. Bank security incompatible with Mint.

Build a better web site and get a Windows 10 universal app, and this 2 star rating becomes a 5. My needs are very simple. It will not take a big investment. Technology is the only thing lacking, but it is really badly lacking.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Small Business Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #25744
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD3.02%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$64.6MM$68.7MM
LoansQ4 2018vs Q4 2017$42.9MM$46.6MM
DepositsQ4 2018vs Q4 2017$54.5MM$50.7MM
Equity CapitalQ4 2018vs Q4 2017$9.6MM$9.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$809.00K$790.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$38.00K$104.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$7.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Small Business Bank Savings Account Rates

1.26%*$100k*-High Yield Business Savings
OTHER TIERS: 0.75% Up to $100k

Small Business Bank Money Market Rates

2.27%*$100k*-Money Market Account
OTHER TIERS: 1.76% Up to $100k

Small Business Bank Locations
Gardner Bank13423 West 92nd StreetLenexa, KS 66215

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