Small Business Bank


13423 West 92nd Street
Lenexa, KS 66215
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Small Business Bank is an FDIC insured institution located in Lenexa, KS. It was founded in 1984 and has approximately $0.08 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 25744
Date Established 1984
Assets $ 79.48 million
Loans $ 60.50 million
Deposits $ 67.68 million
Capital $ 10.85 million

For a more detailed analysis of Small Business Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Small Business Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.654% 2.625%
0.38 points
$960 fees
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Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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Third Federal Savings and Loan
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2.240 %
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Note to Small Business Bank
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Financial Details

Small Business Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Small Business Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Small Business Bank U.S. Bank Average
3.28% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Small Business Bank had $380,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,848,000 in equity and $743,000 in loans loss reserves. That gives it a Texas Ratio of 3.28%.

Return on Equity
Small Business Bank U.S. Bank Average
7.74% 11.43%

Small Business Bank has a Return on Equity of 7.74% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Small Business Bank U.S. Bank Average
13.65% 11.51%

Small Business Bank has a Capitalization of 13.65% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Small Business Bank Balance Sheet Analysis

As of March 31, 2021, Small Business Bank had assets of $79,480,000, loans of $60,500,000, and deposits of $67,683,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 12.89 million
Interest-bearing balances $ 12.67 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 0.09 million
Net loans and leases $ 60.50 million
Loan loss allowance $ 0.74 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.21 million
All other assets $ 2.52 million
     Total Assets $ 68.63 million
Total deposits $ 67.68 million
      Interest-bearing deposits $ 22.57 million
      Deposits held in domestic offices $ 67.68 million
      % insured (estimated) 94.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.95 million
      Total Liabilities $ 68.63 million
      Shareholders’ Equity $ 10.85 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 0.60 million
Total Interest Expense $ 0.04 million
Net interest income $ 0.56 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 0.47 million
Total non interest expense $ 0.75 million
Pre-tax Net Operating Income $ 0.27 million

Bank Loan Profile?

The top three loan types in Small Business Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Kansas, Small Business Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.76
Credit Card Loans 0.00
Consumer Auto Loans 0.15
Small Business Loans 0.00
Construction and Development Loans 1.06
Commercial Real Estate 19.30
Commercial and Industrial Loans 56.63
Farm Loans 0.23

Frequently Asked Questions About Small Business Bank

Branches and Savings

Is Small Business Bank FDIC insured?

Yes. It is covered under FDIC Certificate #25744.

Why does Small Business Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Small Business Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Small Business Bank a commercial bank?


Where are Small Business Bank locations?

See branch locations nearby.

Is Small Business Bank open on Saturdays?

Is Small Business Bank open on Sundays?

What time does Small Business Bank open?

What time does Small Business Bank close?

Are Small Business Bank ATMs Open 24/7?

Do Small Business Bank ATMs accept cash deposits?

Can Small Business Bank customers use other ATMs?

Do Small Business Bank branches have notaries?

Will Small Business Bank notarize my document?

What address for Small Business Bank should I put for incoming ACH transfers?

Will the Small Business Bank branch print checks?

Do Small Business Bank checks expire?

Does Small Business Bank require US citizenship to open account?

Can Small Business Bank close my account?

Does Small Business Bank Report to credit bureaus?

Does Small Business Bank Use Equifax?

What is Small Business Bank's ACH Routing Number?

What is Small Business Bank's SWIFT code?


Does Small Business Bank offer mortgages?

Compare mortgage rates here.

Does Small Business Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Small Business Bank offer personal loans?

Compare personal loan rates here.

Does Small Business Bank offer student loans?

Will Small Business Bank cash a check?

Will Small Business Bank redeem a savings bond?

Does Small Business Bank cash savings bonds?

Will Small Business Bank cash money orders?

Can Small Business Bank issue a money order?

Does Small Business Bank do currency exchange?

Background on The Bank

Who owns Small Business Bank?

How long has Small Business Bank been around?

Can Small Business Bank transfer to other banks?

Does Small Business Bank have quick pay?

Does Small Business Bank accept rolled coins?

Will Small Business Bank accept loose change?

Where is Small Business Bank headquarters?

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