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Security Bank of Kansas City
Kansas City, KS·FDIC Cert #4705·Charter: STATE·Est. 19331013.0·HC: VALLEY VIEW BANCSHARES INC
Total Assets
$3.8B
Q4 2025
Return on Assets
1.37%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.94%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.37%+0.05
ROE
12.46%+0.28
Efficiency
49.94%-1.07
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
65.99%-0.30
Charge-offs
-0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 | 1.4 |
| ROE | 11.7 | 12.0 | 12.1 | 12.8 | 12.1 | 12.1 | 12.2 | 12.5 |
| Efficiency | 53.9 | 53.0 | 51.8 | 51.4 | 52.5 | 51.9 | 51.0 | 49.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 68.9 | 69.9 | 65.1 | 66.5 | 66.6 | 66.2 | 66.3 | 66.0 |
Balance Sheet
Total Assets$3.8B
Total Deposits$3.1B
Total Loans$2.1B
Total Equity$434.9M
Profitability
ROA1.37%
ROE12.46%
Efficiency Ratio49.94%
Net Income$50.2M
Risk & Asset Quality
NPL Ratio0.00%
Charge-off Rate-0.00%
Loan/Deposit65.99%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans