KCB BANK

LAKIN, KS | Small | Est. Jan. 1, 1888, midnight | FDIC #15194 | RSSD #5751 | FDIC
Latest Report: 2025-12-31

KCB BANK is asn small FDIC-insured commercial bank headquartered in LAKIN, KS, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $339M and total deposits of $300M. Profitability stands at 1.43% ROA and 12.78% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 10.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 5.72%. FDIC Certificate #15194.

Assets

$339M

Deposits

$300M

Loans

$196M

Equity

$37M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 12.78%
Net Interest Margin (NIM) 3.70%
Yield on Assets 6.19%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 0.07%
Texas Ratio 5.72%
NPA Ratio 0.68%
ACL / Loans 1.77%

Capital & Liquidity

CET1 Ratio 10.41%
Tier 1 Capital 10.41%
Total Capital Ratio 10.93%
Leverage Ratio 12.25%
Loan-to-Deposit 65.18%

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