Small Business Bank
Lenexa, Kansas · FDIC Cert #25744
Small Business Bank is an FDIC-insured bank (Certificate #25744) with $94M in total assets and $84M in total deposits as of the Q2 2024 Call Report. 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). 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
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 1 points below the Kansas state average of 69 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 68, meaning this bank ranks above its size cohort. Site-wide, Small Business Bank is 2 points below the portfolio average of 70.
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 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.