KCB Bank
Lakin, KS
IDRSSD: 5751
Total Assets
$338.60M
Latest filing
Total Deposits
$300.05M
Latest filing
Net Interest Margin
3.62%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
KCB Bank
221 N Main St
Lakin, KS 67860
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1888FDIC Certificate 9557
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| KCB Bank (Main) | 221 N Main St | Lakin, KS |
| GARDEN CITY BRANCH | 1910 E Mary St | Garden City, KS |
Showing 1 of 1
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67860 |
| State and County Number | 20093 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Garden City, KS |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/25/2023 |
| Date of Deposit Insurance | 06/26/1935 |
| Primary Insurance Agency | DIF |
| Website | www.kcbks.bank |
| Data Updated | 01/30/2026 |
| CERT | 15194 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $338.60M |
| Total Deposits | $300.05M |
| Total Liabilities | $301.81M |
| Total Equity Capital | $36.80M |
| Net Income | $1.19M |
| Net Loans and Leases | $192.12M |
| Assets Per Employee ($Millions) | $7.7M |
| Bank Premises and Fixed Assets | $1.60M |
| Cash and Balances due from Depository Institutions | $7.94M |
| Deposits Held in Domestic Offices | $300.05M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 12.78% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 58.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.867% |
| Earning Assets to total Assets | 94.01% |
Income and Expense
| Total Interest Income | $4.73M |
| Total Noninterest Income | $432.00k |
| Total Interest Expense | $1.91M |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $1.11M |
| Provision for Credit Losses | $220.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $16.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.76M |
| Total Liabilities and Capital | $338.60M |
Securities
| Securities | $110.20M |
| Available-for-sale debt securities | $103.99M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$338.60M as of the latest filing.
How much are KCB Bank's total deposits?
$300.05M in total deposits.
Where is KCB Bank located?
Lakin, KS.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$192.12M (latest filing).
What is the total interest income (latest filing)?
$4.73M.