KCB Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 58.42 percentage points in Q2 2026, from 136.33% to 194.76%. It was the largest change from Q1 2026 among the key lines here. KCB Bank ranks 84th of 182 Kansas banks on return on assets, in the upper half at 1.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. KCB Bank sits 0.25 points higher, at 1.51% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.62% |
| Equity capital to assets | 11.47% |
| Tangible equity to tangible assets | 11.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.88% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 7.17% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | 194.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 13.68% |
| Net interest margin | 3.67% |
| Efficiency ratio | 60.11% |
| Yield on earning assets | 5.74% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.39% |
| Core deposits to total deposits | 83.47% |
| Brokered deposits to total deposits | 11.20% |
| Deposits to assets | 87.96% |
| Securities to assets | 33.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.39% | 1.68% | 3.35% | 0.09% | 0.00% |
| Q4 2023 | 14.59% | 1.26% | 3.35% | 0.20% | 0.00% |
| Q1 2024 | 13.06% | 0.40% | 3.24% | 0.23% | 0.00% |
| Q2 2024 | 13.27% | 1.46% | 3.48% | 0.14% | 0.00% |
| Q3 2024 | 13.00% | 0.58% | 2.98% | 1.03% | 0.00% |
| Q4 2024 | 13.41% | 1.33% | 3.36% | 0.46% | 0.02% |
| Q1 2025 | 13.01% | 0.95% | 3.39% | 0.49% | 0.00% |
| Q2 2025 | 12.78% | 1.30% | 3.46% | 1.26% | 0.00% |
| Q3 2025 | 12.70% | 1.00% | 3.46% | 1.25% | -0.01% |
| Q4 2025 | 12.25% | 1.41% | 3.52% | 1.21% | 0.30% |
| Q1 2026 | 12.03% | 1.01% | 3.15% | 1.34% | -0.01% |
| Q2 2026 | 12.62% | 1.51% | 3.67% | 0.88% | 0.01% |
KCB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock KCB Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)