Lead Bank
Lead Bank reported total assets of $2.8 bn at Q2 2026, up 58.3% on a year earlier, the 460th largest of 497 banks in our US coverage. The CET1 capital ratio at Lead Bank was 20.33%, and the uninsured share of Lead Bank was 30.02%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Lead Bank climbed from 448th to 316th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Lead Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 7.40% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
- At 7.93%, the net interest margin of Lead Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 3.66% (FDIC Call Reports).
What sets Lead Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower loan-to-deposit ratio than Lead Bank, at 45.05% in ; the group median is 88.61%.
- Lead Bank has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 3.26% at , against a median of 0.58% across 339 banks.
- At 0.90%, the net charge-offs to average loans of Lead Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.06%.
How large is Lead Bank?
The balance sheet of Lead Bank at : assets $2.8 bn, deposits $2.5 bn, net loans $1.1 bn (loans equal to 45.05% of deposits). Securities make up 9.7% of total assets at Lead Bank. Since , when Lead Bank held $155.1 mn, its assets grew 1,679.6%. In the year to , deposits at Lead Bank rose 61.4% while its total assets rose 58.3%. At , Lead Bank employed 335 full-time equivalent staff across 2 offices, about $8.2 mn of assets per employee and $1.2 bn of deposits per office.
How much funding at Lead Bank is uninsured?
At Lead Bank, uninsured deposits (above the FDIC limit) made up 30.02% of domestic deposits at (+11.90 pp on a year earlier); Lead Bank ranks 316th of 500 on this measure. In dollars, Lead Bank estimated $739.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +61.4% | 428th of 499 |
| Net loans and leases | $1.1 bn | +24.9% | 490th of 500 |
| Loan-to-deposit ratio | 45.05% | -13.17 pp | 479th of 500 |
| Tier 1 leverage ratio | 7.40% | +0.09 pp | 489th of 500 |
| Total risk-based capital ratio | 21.60% | -6.42 pp | 29th of 448 |
| Net interest margin | 7.93% | -1.57 pp | 12th of 500 |
| Return on assets (ROA) | 1.59% | +0.28 pp | 131st of 500 |
| Efficiency ratio | 79.02% | -1.48 pp | 471st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.9 mn | Widened by $1.6 mn | |
| Noncurrent loans to total loans | 3.26% | +1.47 pp | 483rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.90% | +0.57 pp | 467th of 500 (1 = lowest) |
US rank of Lead Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Lead Bank: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.5bn
- Net loans $1.1bn
Capital and securities
The CET1 ratio of Lead Bank stood at 20.33% in , -6.43 pp year on year. Low and high at Lead Bank since : 8.16% () to 32.13% (). Equity capital of Lead Bank at : $244.1 mn, or 8.8% of total assets. Lead Bank also reported a total capital ratio of 21.60% for , and a tier 1 leverage ratio of 7.40%.
The available-for-sale portfolio of Lead Bank showed an unrealized loss of $2.9 mn at ; the loss widened by $1.6 mn over the year.
Lead Bank: capital ratios
- Total capital 22%
- CET1 20%
- Tier 1 leverage 7.4%
Lead Bank: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity $0
Profitability and loan quality
For the year to , Lead Bank earned a return on equity of 18.15%; return on assets: 1.59%. Net interest margin at Lead Bank: 7.93%, -1.57 pp in a year. Lead Bank net income: $21.3 mn, up 92.0% year on year. The efficiency ratio of Lead Bank was 79.02%: about 79 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 3.26% of total loans at Lead Bank; net charge-offs: 0.90% of average loans. Gross loans and leases at Lead Bank: $1.1 bn, up 26.7% in a year.
Lead Bank: profitability
- Return on equity 18%
- Net interest margin 7.9%
- Return on assets 1.6%
Peer group of Lead Bank
The peer group of Lead Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Lead Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, Lead Bank shows CET1 ratio 20.33% against a peer median of 14.29%, return on equity 18.15% against a peer median of 13.13% and uninsured deposit share 30.02% against a peer median of 36.60%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Sunrise Banks | National bank | SD | $2.8 bn | not reported | 3.75% | 15.33% | |
| Quad City Bank and Trust Company | State member bank | IA | $2.8 bn | 14.29% | 13.89% | 50.97% | |
| Avidia Bank | State-chartered stock savings bank | MA | $2.8 bn | 15.47% | 8.29% | 39.16% | |
| Lead Bank | State nonmember bank | MO | $2.8 bn | 20.33% | 18.15% | 30.02% | |
| Open Bank | State nonmember bank | CA | $2.7 bn | 12.10% | 12.57% | 49.75% | |
| State Bank of Southern Utah | State nonmember bank | UT | $2.7 bn | not reported | 15.58% | 29.89% | |
| Cornerstone Bank | State member bank | NE | $2.7 bn | not reported | 13.70% | 34.04% | |
. FDIC Call Reports.
Last eight quarters
Two years at Lead Bank, to : assets +142.8%, deposits +159.7%, equity +62.5%. Staff 187 to 335.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.1 bn | $1.6 bn | $1.7 bn | $1.7 bn | $2.0 bn | $2.6 bn | $2.7 bn | $2.8 bn |
| Total deposits | $949.2 mn | $1.4 bn | $1.5 bn | $1.5 bn | $1.7 bn | $2.3 bn | $2.4 bn | $2.5 bn |
| Bank equity capital | $150.2 mn | $163.9 mn | $170.9 mn | $177.4 mn | $218.0 mn | $225.6 mn | $234.2 mn | $244.1 mn |
| CET1 ratio | 27.92% | 24.25% | 26.27% | 26.76% | 32.13% | 23.55% | 22.40% | 20.33% |
| Return on equity (ROE) | 12.39% | 15.07% | 12.05% | 12.99% | 13.77% | 13.53% | 18.24% | 18.15% |
| Uninsured share of domestic deposits | 0.00% | 0.00% | 29.04% | 18.12% | 28.80% | 32.78% | 28.42% | 30.02% |
| Full-time equivalent employees | 187 | 211 | 240 | 262 | 269 | 302 | 314 | 335 |
| Number of offices | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Lead Bank
- Total assets at Lead Bank changed by +39.6% in the quarter to 2024-12-31, with no FDIC structure event in that quarter.
- Total assets at Lead Bank changed by +32.3% in the quarter to 2025-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Lead Bank?
Lead Bank reported $2.8 bn at in its Call Report. That makes Lead Bank the 460th largest of 497 banks in our US coverage.
Is Lead Bank the same as its holding company?
No. This page covers Lead Bank, FDIC certificate 8283; LUNA PARENT INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Lead Bank profitable?
Lead Bank reported net income of $21.3 mn for the year to ; annualized return on equity: 18.15%. So yes: Lead Bank made a profit over these months.
When is data for Lead Bank next updated?
Figures from Lead Bank for are due after .
Where can I check the figures for Lead Bank?
In the FDIC BankFind Suite record for certificate 8283, and in the Call Reports of Lead Bank (RSSD ID 893855) at the FFIEC Central Data Repository.