Lead Bank
Total assets
$2.76B
▲ +58.3% YoY
Deposits
$2.46B
▲ +61.4% YoY
Loans
$1.11B
▲ +24.9% YoY
Offices
2
LUNA PARENT INC
ROA (annualized)
1.59%
peers 1.26%
ROE (annualized)
18.15%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Lead Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +58.3% | +5.5% | +52.8 pts |
| Deposit growth (YoY) | +61.4% | +5.1% | +56.3 pts |
| Loan growth (YoY) | +24.9% | +5.9% | +18.9 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 18.1% | 12.2% | +6.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1928
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LUNA PARENT INC
- Specialization
- All Other Over 1 Billion
- Address
- 1801 Main St, Kansas City, MO, 64108
- County
- Jackson
- Metro area
- Kansas City, MO-KS
- Offices
- 2
- FDIC cert #
- 8283
- RSSD ID
- 893855
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.76B | $2.46B | $1.11B | $244.1M | $21.3M | 1.59% | 7.93% | 1.34% |
| Q1 2026 | $2.68B | $2.39B | $1.08B | $234.2M | $10.5M | 1.59% | 8.31% | 0.94% |
| Q4 2025 | $2.61B | $2.33B | $1.06B | $225.6M | $25.9M | 1.34% | 9.39% | 0.85% |
| Q3 2025 | $1.97B | $1.71B | $898.3M | $218.0M | $18.9M | 1.43% | 9.68% | 0.88% |
| Q2 2025 | $1.74B | $1.53B | $889.3M | $177.4M | $11.1M | 1.31% | 9.50% | 0.92% |
| Q1 2025 | $1.75B | $1.54B | $800.0M | $170.9M | $5.0M | 1.21% | 9.18% | 0.84% |
| Q4 2024 | $1.59B | $1.39B | $758.9M | $163.9M | $22.0M | 1.91% | 10.84% | 0.95% |
| Q3 2024 | $1.14B | $949.2M | $713.6M | $150.2M | $13.1M | 1.68% | 11.34% | 1.21% |
Loan mix (Q2 2026): real estate $351.2M · commercial $49.7M · consumer $712.4M · securities $267.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Lead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.2% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.93% | 3.70% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 59.0% | 92th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Lead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Lead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Lead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Lead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- The Bank of MissouriPerryville, MO · $4.23B
- First State Community BankFarmington, MO · $4.51B
- Southern BankPoplar Bluff, MO · $5.19B
- Great Southern BankReeds Spring, MO · $5.53B
- Parkway Bank and Trust CompanyHarwood Heights, IL · $3.66B
- Frandsen Bank & TrustLonsdale, MN · $3.66B
Selling to Lead Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.