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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #1218446 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 132.6% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -4
57
Sub-score

Liquidity is deteriorating: brokered 20.1%, loans/deposits 132.6%, cash 5.5% of assets.

Cash / Assets
5.53%
Loans / Deposits
132.57%
Brokered %
20.10%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 132.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.43%, CET1 18.43%, leverage 15.52%.

Tier 1 RBC
18.43%
CET1
18.43%
Leverage
15.52%
No watch items at this period.

Asset Quality

StrongQoQ +14
83
Sub-score

Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 7.0%, NCO YTD 0.71%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.71%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
80
Sub-score

Reserves are strong: ALLL 1.80% of loans, coverage 111.0%, true coverage 111.0%.

ALLL / Loans
1.80%
Coverage
111.0%
True Loss Coverage
111.0%
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