Bank Comparison
Kcb Bank vs Centera Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kcb Bank | Centera Bank |
|---|---|---|
| CET1 Ratio | — | 16.30% |
| Tier 1 Capital Ratio | — | 16.30% |
| Total Capital Ratio | — | 17.23% |
| Tier 1 Leverage Ratio | 12.03% | 9.21% |
| Equity / Assets | 10.83% | 7.41% |
Profitability
| Metric | Kcb Bank | Centera Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 1.50% |
| Return on Equity (ROE) | 9.42% | 20.15% |
| Net Interest Margin (NIM) | 3.15% | 3.29% |
| Yield on Earning Assets | 5.39% | 4.47% |
| Cost of Funds | 2.47% | 1.27% |
Asset quality
| Metric | Kcb Bank | Centera Bank |
|---|---|---|
| Texas Ratio | 8.00% | 0.24% |
| Non-Performing Loan Ratio | 1.34% | 0.04% |
| Non-Performing Asset Ratio | 0.75% | 0.02% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.83% | 1.08% |
Balance sheet
| Metric | Kcb Bank | Centera Bank |
|---|---|---|
| Total Assets | $329,115K | $328,336K |
| Total Deposits | $291,592K | $301,833K |
| Total Loans | $184,724K | $149,898K |
| Total Equity | $35,653K | $24,327K |
| Net Income (quarter) | $853 | $1,243K |
Liquidity & funding
| Metric | Kcb Bank | Centera Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 63.35% | 49.66% |
| Core Deposit Ratio | 94.73% | 81.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kcb Bank | Centera Bank |
|---|---|---|
| Headquarters City | LAKIN | SUBLETTE |
| Headquarters State | KS | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 44 | 45 |
| Established | Jan. 1, 1888, midnight | Oct. 18, 1937, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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