KCB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks KCB Bank of Lakin, KS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.51% | 1.25% | +0.26% | 63rd above |
| ROAE | 13.68% | 13.17% | +0.51% | 57th above |
| Net Interest Margin | 3.67% | 3.95% | -0.28% | 35th below |
| Efficiency Ratio | 60.11% | 61.50% | -1.39% | 53rd above |
| PPNR / Avg Assets | 1.53% | — | — | 45th below |
| Yield on Earning Assets | 5.74% | 5.67% | +0.07% | 56th above |
| Cost of Funds | 2.29% | 1.87% | +0.42% | 22nd bottom |
| Net Interest Spread | 3.04% | — | — | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 0.93% | -0.05% | 31st below |
| NPA / Total Assets | 0.70% | — | — | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 1.72% | — | — | 88th top |
| ACL / NPLs (Coverage) | 194.76% | — | — | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.22% | 6.06% | -0.84% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.62% | 11.75% | +0.87% | 71st above |
| Equity / Assets | 11.47% | 10.98% | +0.49% | 65th above |
| TCE / Tangible Assets | 11.24% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.39% | 80.44% | -11.05% | 72nd above |
| Core Deposit Ratio | 83.47% | 86.95% | -3.48% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.90% | — | — | 10th bottom |
| Loan Growth (Y/Y) | -1.72% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 3.27% | — | — | 44th below |
See KCB Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock KCB Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full KCB Bank profile, how to read a UBPR, or how this data updates.