KCB Bank
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Data as of · sourced from FFIEC call reports. How we update
KCB Bank is an FDIC-insured commercial bank headquartered in Lakin, KS, established in 1888 (FDIC certificate 15194), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $322.3M, down 1.9% from Q2 2025, the 66th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15194
- Headquarters
- Lakin, KS
- Established
- 1888
- Total assets, Q2 2026
- $322.3M
- Assets vs Q2 2025
- -1.9%
- Tier 1 leverage ratio, Q2 2026
- 12.62%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101106625
- Holding company
- LAKIN BANCSHARES, INC.
- Asset rank in state
- 66th of 182 in Kansas
KCB Bank, based in Lakin, Kansas, reported $322 million in assets at June 30, 2026, down 1.9% from a year earlier. It shrank its loan book 1.7% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 2.29% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Loans and deposits moved in opposite directions: over the year loans fell 1.7% and deposits rose 3.3%. The commercial and industrial book ($27 million) is worsening: 5.88% of it is past due or on nonaccrual, up from 4.59% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.78% of loans from 0.65% a year earlier.
As of June 30, 2026, KCB Bank reported a return on assets of 1.51%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 5.22%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, KCB Bank is the 66th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $322.3M, loans rose 6.5% and deposits fell 2.8%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 23.3% of total loans, followed by 1-4 family residential loans at 22.9%. Its 2 offices in the FDIC Summary of Deposits are in Garden City, KS and Lakin, KS; its Garden City office books 53% of its branch deposits. On its Q2 2026 call report, KCB Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 221 N Main St, Lakin, KS 67860
- County
- Kearny
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $283.5M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $329.4M
- Average total loans
- $192.1M
- Average interest-bearing deposits
- $238.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 1935
- FDIC Cert
- 15194
- Fed RSSD
- 5751
- Website
- www.kcbks.bank →
- Parent Holding Company
- LAKIN BANCSHARES, INC. (RSSD 1061594)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, KCB Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, KCB Bank's total assets ran between $282.8M (Q3 2023) and $338.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$322.3M total assets against $328.5M; $285.3M total liabilities against $292.3M.
$193.3M net loans and leases against $197.1M; $283.5M total deposits against $274.5M.
$106.9M securities against $109.9M; $9.8M cash and balances due against $8.4M.
$4.5M total interest income against $4.7M; $1.6M total interest expense against $2.0M.
$2.9M net interest income against $2.7M.
$363K total noninterest income against $341K; $2.0M total noninterest expense against $1.7M.
-$56K provision for credit losses against $195K.
$1.2M net income against $1.1M.
1.51% return on assets against 1.30%; 3.67% net interest margin against 3.46%.
12.62% tier 1 leverage ratio against 12.78%.
Inside the full KCB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKCB Bank rankings
Its closest position to the top of a national ranking is 1,284 of 3,640, for Texas Ratio; its furthest is 2,358 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q3 2024) to 1.51% (Q2 2026) and its net interest margin ran from 2.98% (Q3 2024) to 3.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.62% | 1.51% | 1.15% | 5.22% | 3.67% |
| Q1 2026 | 12.03% | 1.01% | 1.62% | 5.97% | 3.15% |
| Q4 2025 | 12.25% | 1.41% | 1.18% | 4.01% | 3.52% |
| Q3 2025 | 12.70% | 1.00% | 1.04% | 3.33% | 3.46% |
| Q2 2025 | 12.78% | 1.30% | 1.02% | 3.37% | 3.46% |
| Q1 2025 | 13.01% | 0.95% | 0.48% | 2.32% | 3.39% |
| Q4 2024 | 13.41% | 1.33% | 0.21% | 0.99% | 3.36% |
| Q3 2024 | 13.00% | 0.58% | 0.61% | 2.81% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Garden City Branch | Garden City , KS | 67846 | $149.3M |
| KCB Bank (main office) | Lakin , KS | 67860 | $134.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 20, 2012 | Structure Change | Acquired Garden City State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 81 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $515K approved, $172K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about KCB Bank
What are KCB Bank's total assets?
As of the Q2 2026 filing, KCB Bank reported total assets of $322.3 million in its FFIEC call report.
Where is KCB Bank headquartered?
It is headquartered in Lakin, KS, United States.
When was KCB Bank founded?
It was established in 1888, per the FDIC institution directory.
Is KCB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates KCB Bank?
KCB Bank's primary federal regulator is the FDIC.
How many branches does KCB Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is KCB Bank's Texas Ratio?
Its Texas Ratio is 5.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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