Bank Comparison
Kcb Bank vs Union Bank & Trust Company
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 | Union Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.03% | 10.63% |
| Equity / Assets | 10.83% | 9.23% |
Profitability
| Metric | Kcb Bank | Union Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 1.60% |
| Return on Equity (ROE) | 9.42% | 17.86% |
| Net Interest Margin (NIM) | 3.15% | 4.12% |
| Yield on Earning Assets | 5.39% | 6.08% |
| Cost of Funds | 2.47% | 2.12% |
Asset quality
| Metric | Kcb Bank | Union Bank & Trust Company |
|---|---|---|
| Texas Ratio | 8.00% | 14.81% |
| Non-Performing Loan Ratio | 1.34% | 1.94% |
| Non-Performing Asset Ratio | 0.75% | 1.57% |
| Net Charge-Off Ratio | -0.01% | 0.05% |
| ACL / Loans | 1.83% | 1.77% |
Balance sheet
| Metric | Kcb Bank | Union Bank & Trust Company |
|---|---|---|
| Total Assets | $329,115K | $329,266K |
| Total Deposits | $291,592K | $295,201K |
| Total Loans | $184,724K | $266,257K |
| Total Equity | $35,653K | $30,393K |
| Net Income (quarter) | $853 | $1,347K |
Liquidity & funding
| Metric | Kcb Bank | Union Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 63.35% | 90.20% |
| Core Deposit Ratio | 94.73% | 88.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kcb Bank | Union Bank & Trust Company |
|---|---|---|
| Headquarters City | LAKIN | MONTICELLO |
| Headquarters State | KS | AR |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 44 | 55 |
| Established | Jan. 1, 1888, midnight | April 1, 1887, 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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