At a glance
From its website, read 2 Nov 2026Central Bancshares Of Kansas City, Inc. is a bank holding company based in Kansas City, Missouri. Its website describes commercial real estate loans, equipment loans, affordable housing development loans and 1 other loan type.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (816) 483-1210 source |
|---|---|
| Website | www.centralbankkc.com |
| Office (official list) | 2301 Independence Blvd., Kansas City, MO 64124 |
What their website says about applying
Let’s Make It Happen Together As you dream big, we’re right there with you. Explore financing options with us. Contact us to learn more about our commercial lending solutions.
sourceHave a development that could benefit from NMTC financing? Apply to connect with our team and explore potential funding opportunities.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 31 Mar 2014 |
| RSSD ID | 1063084 |
| Address | 2301 Independence Blvd., Kansas City, MO 64124 Directions (Google Maps) |
| Website | www.centralbankkc.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and loan-specific eligibility are not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | We have over seven decades of experience in financing commercial real estate and multi-family properties. | source |
| Equipment loans | — | Equipment Financing: Invest in the tools and machinery necessary to grow your business with our flexible equipment financing. | source |
| Affordable housing development loans | — | including financing developments utilizing Low-Income Housing Tax Credits (LIHTC). | source |
| Small-business loans | — | From equipment financing to working capital, our commercial and industrial loans are designed to keep your business moving forward. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.centralbankkc.com/
- https://www.centralbankkc.com/business/commercial-loans
- https://www.centralbankkc.com/business/new-market-tax-credits
- https://www.centralbankkc.com/business/affordable-housing-loans
- https://www.centralbankkc.com/personal/additional-services
- https://www.centralbankkc.com/business/additional-services
- https://www.centralbankkc.com/business/business-banking-overview
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$17.6 million in 12 awards from the U.S. Treasury's CDFI Fund, 2004–2024 (CDFI Program, Financial Assistance; Healthy Food Financing Initiative, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $725,000 |
| 2024 | Healthy Food Financing Initiative, Financial Assistance | $6,000,000 |
| 2020 | CDFI Program, Financial Assistance | $750,000 |
| 2020 | Healthy Food Financing Initiative, Financial Assistance | $2,750,000 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2019 | Healthy Food Financing Initiative, Financial Assistance | $1,950,000 |
| 2017 | CDFI Program, Financial Assistance | $826,905 |
| 2015 | CDFI Program, Financial Assistance | $759,334 |
| 2014 | CDFI Program, Financial Assistance | $1,088,666 |
| 2013 | CDFI Program, Financial Assistance | $597,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2004 | CDFI Program, Financial Assistance | $650,109 |
Emergency Capital Investment Program (ECIP)
Treasury invested $75 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Central Bank of Kansas City (FDIC cert 17009, total assets $410.2 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $410.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
Missouri (2 offices)
- Jackson County (2): 2301 Independence Boulevard, Kansas City 64124 (main office); 3740 E Truman Rd, Kansas City 64127
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Central Bank of Kansas City (RSSD 751852, FDIC cert 17009), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $323.4 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 6.4% from $303.9 million on 30 Jun 2025 |
| Total assets | $410.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $711,000 | 0.2% |
| Commercial real estate, construction and multifamily | $144 million | 44.3% |
| Commercial and industrial (business) loans | $177.7 million | 54.7% |
| Farmland and farm production loans | $2 million | 0.6% |
| Consumer loans (credit cards, auto, other) | $50,000 | <0.1% |
| All other loans and leases | $409,000 | 0.1% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 6 loans $327,000 | 20 loans $469,000 |
| $100,001 to $250,000 | 25 loans $3.3 million | 5 loans $445,000 |
| $250,001 to $1 million | 40 loans $17.1 million | 15 loans $6.8 million |
| All small business loans | 71 loans $20.7 million | 40 loans $7.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
None reported on the 30 Jun 2026 report.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $410.2 million | Larger than 40% of the 10 other certified banks and bank holding companies in Missouri (median $534.6 million). |
| Loans as a share of assets | 79% | Median of the same 10 banks and bank holding companies: 79%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $303.9 million → $323.4 million (+6%) | Median change of 10 other certified banks and bank holding companies in Missouri: +10%. Rank by loans held among these 11: 6 → 6. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Missouri | 10 | larger than 40% |
| Loans held then vs now | certified banks and bank holding companies in Missouri reporting both dates | 10 | rank 6 → 6 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Central Bank of Kansas City is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Kansas City and Missouri
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Holy Rosary Credit UnionCredit union · Kansas City, MOAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
- KC Unidos Federal Credit UnionCredit union · Kansas City, MOOfficial list only
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Century Bank of the OzarksBank or thrift · Gainesville, MOAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
Work at Central Bancshares Of Kansas City, Inc.? Link to this page
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