Fees from its schedule are under review and appear here once review is done.
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Total assets
Q1 2026, quarter end
FDIC call report data · Mar 31, 2026
Revenue
Q1 2026, one quarter
FDIC call report data · Mar 31, 2026
Service-charge income
Q1 2026, one quarter
FDIC call report data · Mar 31, 2026
Service-charge share of revenue
98th percentile; peer median 2.1%
FDIC call report data · Mar 31, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Not on file
Call-report figures are for Small Business Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q1 2026 Quarter ended Mar 31, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q1 2026 Quarter ended Mar 31, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q1 2026 Quarter ended Mar 31, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,708 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q1 2026 Quarter ended Mar 31, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Small Business Bank's published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Service-charge income by quarter
Q4 2023 to Q1 2026, standalone quarters
Service charges were 11% of revenue, above the 2.1% median of 1,708 banks with under $300M in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $49K in Q1 2026, 4800% above the same quarter a year earlier ($1K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Small Business Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q2 2024 to Q1 2026, standalone quarters · 65 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q1 2026 | $49K | +$47K | +2350.0% |
| Q4 2025 | $2K | +$1K | +100.0% |
| Q3 2025 | $1K | −$1K | −50.0% |
| Q2 2025 | $2K | +$1K | +100.0% |
| Q1 2025 | $1K | $0 | 0.0% |
| Q4 2024 | $1K | $0 | 0.0% |
| Q3 2024 | $1K | +$1K | |
| Q2 2024 | $0 | −$1K | −100.0% |
Financial cohort: 1,782 banks with under $300M in assets filing for Q1 2026; 1,708 reported a share above 0% and are counted, Small Business Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Small Business Bank by share.
They stay out of every comparison until review is done.
per item
per item · First item each month is free of charge
per item
per item · First item each month is free of charge
per month · Dormant account defined as an account with no activity for the previous 12 months
per item
per item
per item
varies · Per hour with one hour minimum
per item · Items can include deposited checks, outgoing ACH (debit or credit) or outgoing wire
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Business Check Stock per check (audience not stated, treated as personal) | $1 | per item | None |
| Cashier's Check Fee (audience not stated, treated as personal) | $10 | per item | First item each month is free of charge |
| Check Image (Mobile Deposit) Fee (audience not stated, treated as personal) | $0.10 | per item | None |
| Check Print Fee (Counter Checks) (audience not stated, treated as personal) | $2 | per item | First item each month is free of charge |
| Inactive Account Fee (audience not stated, treated as personal) | $10 | per month | Dormant account defined as an account with no activity for the previous 12 months |
| Incoming International Wire (audience not stated, treated as personal) | $65 | per item | None |
| Next-Day ACH (audience not stated, treated as personal) | $10 | per item | None |
| Paper Statement Fee (audience not stated, treated as personal) | $5 | per item | None |
| Research Fee (audience not stated, treated as personal) | $30 | varies | Per hour with one hour minimum |
| Returned Item Fee (audience not stated, treated as personal) | $15 | per item | Items can include deposited checks, outgoing ACH (debit or credit) or outgoing wire |
| Stop Payment Fee (audience not stated, treated as personal) | $25 | per item | None |
| Tax Levies/Garnishments (audience not stated, treated as personal) | $50 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Small Business Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $74.3M in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| 1 | $74.3M |
Kansas City, MO-KS
0.1% of bank deposits, #86 of 116, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| UMB Bank, National Association | 35.7% |
| Commerce Bank | 10% |
| U.S. Bank National Association | 5.5% |
| Bank of America, National Association | 5.4% |
| Security Bank of Kansas City | 3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In Kansas City, MO-KS, Small Business Bank holds 0.1% of bank deposits, #86 of 116, with 1 office.
778 offices of 159 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
9 of 116 institutions shown. $99.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2010 to 2025
June 2025: 0.1% share, 1 office, #86 of 116
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2025.
Credit unions, reported separately
122 offices of 44 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
3 past actions
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows