District Banking Conditions

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


PDFDistrict Banking Conditions

Despite balance sheets remaining inflated due to the significant growth banks experienced in 2020, capital ratios have stabilized and earnings performance continues to improve. The improvement in return on average assets is driven primarily by lower provisions and declining noninterest expenses, which are helping to offset compressed net interest margins. After several quarters of building loan loss reserves, provisions have declined across the board and some banks have started to release reserves. Credit conditions remain sound with low levels of problem assets.

Financial Information

Financial institution performance reports and links to data repositories.

District Banking Conditions Archive

PDF1st Quarter 2021

PDF4th Quarter 2020