Small Business Bank
Lenexa, Kansas · FDIC Cert #25744
This is the FDIC profile for Small Business Bank, an FDIC-insured bank (Certificate #25744) with $94M in total assets and $84M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lenexa, Kansas, the bank maintains a Tier 1 capital ratio of 18.94% (Well-Capitalized) and a nonperforming loan ratio of 0.76%. BankHealthData assigns a composite Health Grade of B (68/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Small Business Bank (FDIC cert 25744) is a community bank — $94M in total assets, $84M in deposits, serving the Lenexa, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.94% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.76% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is negative: ROA of -2.06% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Small Business Bank carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Small Business Bank
- Total Assets
- $94M
- Total Deposits
- $84M
- Tier 1 Capital Ratio
- 18.94%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.76%
- Liquidity Ratio
- 12.77%
- Return on Assets
- -2.06%
- Headquarters
- Lenexa, Kansas
- FDIC Certificate
- #25744
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Small Business Bank files quarterly Call Reports with the FDIC under Certificate #25744. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Small Business Bank holds a Tier 1 capital ratio of 18.94%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Small Business Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Small Business Bank shows strong financial health indicators. With $94M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Small Business Bank Compares
Small Business Bank’s Health Score of 68 is 14 points below the Kansas state average of 82 across 159 FDIC-insured banks. Its 18.94% Tier 1 capital ratio is 4.9 points above the US banking industry average near 14%. The 0.76% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -2.06% is below the national ROA benchmark of ~1.1%. Among 1046 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Small Business Bank is 12 points below the portfolio average of 80.
Frequently Asked Questions
Small Business Bank has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 18.94%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Small Business Bank's Tier 1 capital ratio of 18.94% and nonperforming loan ratio of 0.76% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Small Business Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #25744). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Small Business Bank holds $94M in total assets and $84M in total deposits. It is headquartered in Lenexa, Kansas (FDIC Certificate #25744).
Small Business Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #25744 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Small Business Bank has a Tier 1 capital ratio of 18.94%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.76%, and the return on assets is -2.06%.
Yes. Small Business Bank is FDIC-insured (Certificate #25744). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Small Business Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.