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KCB Bank

Lakin, KS
IDRSSD: 5751
Total Assets
$325.27M
Latest filing
Total Deposits
$285.65M
Latest filing
Net Interest Margin
3.58%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1888
Community BankYes
Ownership TypeNot Mutual
ZIP67860
State and County Number20093
Subchapter S CorporationsYes
Trust PowersLimited Trust Powers Granted
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameGarden City, KS

Operational Info

Number of Employees43
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/25/2023
Date of Deposit Insurance06/26/1935
Primary Insurance AgencyDIF
Websitewww.kcbks.bank
Data Updated11/14/2025
CERT15194
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$325.27M
Total Deposits$285.65M
Total Liabilities$287.72M
Total Equity Capital$37.55M
Net Income$835.00k
Net Loans and Leases$194.16M
Assets Per Employee ($Millions)$7.56M
Bank Premises and Fixed Assets$1.78M
Cash and Balances due from Depository Institutions$6.67M
Deposits Held in Domestic Offices$285.65M

Key Performance Ratios

Return on Assets (ROA)1.02%
Return on Equity (ROE)9.05%
Net Interest Margin3.58%
Efficiency Ratio60.87%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.41%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.546%
Earning Assets to total Assets93.95%

Income and Expense

Total Interest Income$4.86M
Total Noninterest Income$378.00k
Total Interest Expense$2.12M
Total Noninterest Expense$1.93M
Net Interest Income$2.74M
Pre-tax Net Operating Income$861.00k
Provision for Credit Losses$332.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$3.73M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.07M
Total Liabilities and Capital$325.27M

Securities

Securities$107.69M
Available-for-sale debt securities$101.48M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$6.25M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of KCB Bank?
$325.27M as of the latest filing.
How much are KCB Bank's total deposits?
$285.65M in total deposits.
Where is KCB Bank located?
Lakin, KS.
What is the Net Interest Margin?
3.58%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$194.16M (latest filing).
What is the total interest income (latest filing)?
$4.86M.