District Banking Conditions

The Kansas City Fed dedicates staff and resources to monitoring banking conditions in our region.


PDFDistrict Banking Conditions

Significant balance sheet growth in the first half of 2020, driven by the Paycheck Protection Program, drove capital ratios down and contributed to continued margin compression. However, capital ratios stabilized and earnings improved across most banks in the fourth quarter, predominantly due to lower provision expenses that had spiked in the second and third quarter to bolster reserves. Credit conditions remained sound with only slight increases in problem assets. Balance sheets are flush with liquidity with limited opportunities to deploy the pandemic-induced influx of deposits due to weak loan demand, placing continued pressure on bank margins

Financial Information

Financial institution performance reports and links to data repositories.