KCB Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 86.8% lower than in Q1 2026, at $2.8M. KCB Bank ranks 112th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 69.39% (Q2 2026). KCB Bank reported 69.39% on loan-to-deposit ratio for Q2 2026, 11.17 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.7M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 0.86% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.39% |
| Net loans and leases to deposits | 68.19% |
| Loans and leases to core deposits | 73.29% |
| Core deposits to total deposits | 83.47% |
| Brokered deposits to total deposits | 11.20% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 66.34% | 82.75% | $0 | $6.0M |
| Q4 2023 | 60.48% | 76.81% | $0 | $0 |
| Q1 2024 | 60.09% | 70.98% | $0 | $0 |
| Q2 2024 | 65.73% | 62.90% | $0 | $9.1M |
| Q3 2024 | 65.80% | 61.41% | $0 | $8.0M |
| Q4 2024 | 62.41% | 63.83% | $0 | $0 |
| Q1 2025 | 63.48% | 64.43% | $0 | $0 |
| Q2 2025 | 72.91% | 64.43% | $1.6M | $14.1M |
| Q3 2025 | 69.16% | 57.87% | $0 | $0 |
| Q4 2025 | 65.18% | 60.23% | $0 | $0 |
| Q1 2026 | 63.35% | 84.27% | $0 | $0 |
| Q2 2026 | 69.39% | 83.47% | $0 | $0 |
KCB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock KCB Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full KCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15194) · FFIEC NIC profile (RSSD 5751)