Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lakin, KS · FDIC certificate #15194
KCB BANK is an FDIC-insured institution based in Lakin, KS (FDIC certificate #15194). In its Q3 2026 Call Report it reported total assets of $324M, total deposits of $286M and net loans of $191M. Its primary federal regulator is FDIC.
Plain-language readout
KCB BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $329M in Q1 2026 and were lowest at $322M in Q2 2026.
Total deposits were highest at $292M in Q1 2026 and lowest at $284M in Q2 2026.
Over the whole period total assets fell 1.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $324M | $286M | $191M | 1.42% | 12.90% | 3.63% |
| Q2 2026 | $322M | $284M | $193M | 1.27% | 11.49% | 3.50% |
| Q1 2026 | $329M | $292M | $181M | 1.02% | 9.42% | 3.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.0M | $7.2M | -$166K | -2.3% |
| Federal funds sold | $2.8M | $21.0M | -$18.2M | -86.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $106.9M | $107.8M | -$928K | -0.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $193.3M | $181.3M | +$12.0M | +6.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.6M | -$23K | -1.5% |
| Other real estate owned | $521K | $0K | +$521K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $816K | $844K | -$28K | -3.3% |
| All other assets | $9.4M | $9.4M | +$33K | +0.4% |
| Total assets | $322.3M | $329.1M | -$6.8M | -2.1% |
| Liabilities | ||||
| Total deposits | $283.5M | $291.6M | -$8.1M | -2.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $1.9M | -$36K | -1.9% |
| Total liabilities | $285.3M | $293.5M | -$8.1M | -2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $600K | $600K | $0K | 0.0% |
| Surplus | $8.8M | $8.8M | $0K | 0.0% |
| Retained earnings | $32.9M | $32.1M | +$791K | +2.5% |
| Accumulated other comprehensive income | -$5.3M | -$5.8M | +$512K | +8.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $37.0M | $35.7M | +$1.3M | +3.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.8M | $3.0M | -$220K | -7.3% |
| Adjusted nonperforming assets | $2.1M | $2.3M | -$215K | -9.4% |
| Tangible equity plus allowance | $39.5M | $38.2M | +$1.3M | +3.5% |
| Texas ratio (gross) | 7.04% | 7.86% | -0.82 pts | See points |
| Texas ratio (adjusted) | 5.22% | 5.97% | -0.74 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.35% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.62% | 12.03% | +0.59 pts | See points |
| Construction and land loans to total capital | 4.96% | 6.80% | -1.84 pts | See points |
| Commercial real estate to total capital | 63.19% | 63.81% | -0.62 pts | See points |
| Dividend payout, year to date | 90.21% | 168.82% | -78.60 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.36% | -17.27% | +1.91 pts | See points |
| Liquidity | ||||
| Core deposits | $236.6M | $245.7M | -$9.1M | -3.7% |
| Non-core funding | $46.9M | $45.9M | +$982K | +2.1% |
| Loans to core deposits | 83.13% | 75.18% | +7.95 pts | See points |
| Loans to deposits | 69.39% | 63.35% | +6.04 pts | See points |
| Brokered deposits share of deposits | 11.20% | 10.84% | +0.36 pts | See points |
| Pledged securities share of securities | 51.19% | 51.54% | -0.35 pts | See points |
| Loans pledged, share of loans | 17.90% | 17.64% | +0.25 pts | See points |
| Volatile liabilities | $55.0M | $55.5M | -$511K | -0.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $920K | +$1.3M | +136.6% |
| Earnings before provision, single quarter | $1.3M | $920K | +$337K | +36.6% |
| Provision for credit losses, year to date | -$56K | $0K | -$56K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.93% | 6.63% | +0.30 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | Not reported | Not reported | See points |
| Total interest income to average assets | 5.48% | 5.17% | +0.31 pts | See points |
| Cost of interest-bearing transaction accounts | 0.85% | 0.82% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.39% | 2.44% | -0.05 pts | See points |
| Cost of time deposits | 3.94% | 4.30% | -0.37 pts | See points |
| Total interest expense to average assets | 1.98% | 2.15% | -0.18 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $324M | $286M | $191M | 1.42% | 12.90% | 3.63% |
| 2026-06-30 | $322M | $284M | $193M | 1.27% | 11.49% | 3.50% |
| 2026-03-31 | $329M | $292M | $181M | 1.02% | 9.42% | 3.25% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $274.5M | 0.27% | 82 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.