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Bankers Bank Of Kansas

IDRSSD: 1218446
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q2QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #1218446 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.2% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.51% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ -3
66
Sub-score

Liquidity is stable: brokered 21.1%, loans/deposits 121.2%, cash 27.6% of assets.

Cash / Assets
27.55%
Loans / Deposits
121.20%
Brokered %
21.09%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.57%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.67%, CET1 21.67%, leverage 16.97%.

Tier 1 RBC
21.67%
CET1
21.67%
Leverage
16.97%
No watch items at this period.

Asset Quality

StableQoQ -3
76
Sub-score

Asset quality is stable: Adjusted NPL 2.51%, Texas Ratio 8.9%, NCO YTD 0.61%.

Adjusted NPL
2.51%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.61%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.51% (govt-guarantees stripped).

Reserves

StableQoQ -28
72
Sub-score

Reserves are stable: ALLL 2.24% of loans, coverage 91.3%, true coverage 91.3%.

ALLL / Loans
2.24%
Coverage
91.3%
True Loss Coverage
91.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:25:23 UTC