KCB Bank
Total assets
$322.3M
▼ -1.9% YoY
Deposits
$283.5M
▲ +3.3% YoY
Loans
$193.3M
▼ -1.9% YoY
Offices
2
LAKIN BANCSHARES INC
ROA (annualized)
1.27%
peers 1.24%
ROE (annualized)
11.49%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | KCB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.4% | -6.3 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
Profile
- Established
- 1888
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LAKIN BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 221 N Main St, Lakin, KS, 67860
- County
- Kearny
- Metro area
- Garden City, KS
- Offices
- 2
- FDIC cert #
- 15194
- RSSD ID
- 5751
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $322.3M | $283.5M | $193.3M | $37.0M | $2.1M | 1.27% | 3.50% | 0.86% |
| Q1 2026 | $329.1M | $291.6M | $181.3M | $35.7M | $853K | 1.02% | 3.25% | 0.91% |
| Q4 2025 | $338.6M | $300.0M | $192.1M | $36.8M | $3.8M | 1.18% | 3.56% | 0.68% |
| Q3 2025 | $325.3M | $285.7M | $194.2M | $37.6M | $2.7M | 1.10% | 3.55% | 0.63% |
| Q2 2025 | $328.5M | $274.5M | $197.1M | $36.3M | $1.8M | 1.14% | 3.53% | 0.62% |
| Q1 2025 | $318.4M | $281.1M | $175.6M | $35.3M | $757K | 0.95% | 3.53% | 0.27% |
| Q4 2024 | $317.5M | $280.2M | $172.2M | $35.4M | $3.0M | 0.95% | 3.41% | 0.12% |
| Q3 2024 | $315.6M | $268.8M | $174.1M | $36.6M | $1.9M | 0.82% | 3.39% | 0.34% |
Loan mix (Q2 2026): real estate $134.5M · commercial $26.5M · consumer $4.1M · securities $106.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | KCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% | 27th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 62.9% | 52th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | KCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | KCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | KCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | KCB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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