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KCB Bank

Lakin, KS · Cert 15194 · Lakin Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

KCB Bank

Lakin, KS · Cert 15194 · Lakin Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$322.3MAssets
$196.7MLoans
$283.5MDeposits
$37.0MEquity
Loan mix
81%RE $123.7M17%C&I $25.7M3%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $237.1M16%Noninterest $46.4MQ2 2025Q2 2026

NIM

5.86%Q2 ’245.60%Q2 ’255.40%Q2 ’26-2%+3%

Non-interest income vs. expense

2.30%Q2 ’242.22%Q2 ’252.40%Q2 ’26-3%+9%

Executive Summary

  • Earnings: ROA of 1.06%, up 15 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 1.15% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.62%, down 17 bps from a year ago.
  • Funding: loans stand at 69.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+9 bps YoY

Efficiency Ratio (YTD, annualized)

63.63%+309 bps YoY

Tier 1 Leverage Ratio

12.62%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.89%0.97%0.87%1.06%+15 bps
Return on Equity8.23%7.92%8.69%7.98%9.59%+136 bps
Net Interest Margin3.22%3.21%3.22%3.02%3.31%+9 bps
Efficiency Ratio60.54%60.65%60.04%67.22%63.63%+309 bps
Non-Interest Burden1.82%1.82%1.79%1.93%1.98%+16 bps
Growth
Asset Growth (YoY)3.83%3.08%6.64%3.36%-1.90%-573 bps
Loan Growth (YoY)12.69%11.69%11.85%3.52%-1.72%-1,441 bps
Deposit Growth (YoY)1.59%6.26%7.09%3.74%3.27%+168 bps
Asset Quality
Nonperforming Loans / Loans1.02%1.04%1.18%1.62%1.15%+13 bps
Net Charge-Offs / Loans0.00%0.00%0.07%-0.01%0.00%0 bps
Allowance / Loans1.51%1.72%1.77%1.83%1.72%+21 bps
Allowance Coverage of NPLs1.5x1.7x1.5x1.1x1.5x0.0x
Capital
Tier 1 Leverage Ratio12.78%12.70%12.25%12.03%12.62%-17 bps
Total Risk-Based Capital12.78%12.70%12.25%12.03%12.62%-17 bps
Equity / Assets11.04%11.55%10.87%10.83%11.47%+42 bps
Liquidity & Funding
Loans / Deposits72.91%69.16%65.18%63.35%69.39%-353 bps
Liquid Assets / Assets1.90%1.92%1.85%1.90%2.05%+15 bps
CRE / Total Capitaln/a108.54%107.41%106.62%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

KCB Bank

Lakin, KS · Cert 15194 · Peer group: banks under $1B in assets in KS (n=98) · Lakin Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$322.3MAssets
$196.7MLoans
$283.5MDeposits
$37.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 53% of banks under $1B in assets in KS (rank 47 of 98).
  • Widest gap: nonperforming loans / loans trails 76% of banks under $1B in assets in KS (rank 75 of 98).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.08%

Rank 68 of 98

Net Interest Margin

3.31%

Rank 70 of 98

Efficiency Ratio

64.51%

Rank 73 of 98

Equity / Assets

11.47%

Rank 47 of 98

Non-interest income vs. expense

$1.4M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 27% of banks under $1B in assets in KS
Bank 64.51%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%1.03%1.24%1.54%Beats 31%68 / 98
Return on Equity9.46%8.85%11.58%14.73%Beats 30%69 / 98
Net Interest Margin3.31%3.24%3.62%3.91%Beats 29%70 / 98
Efficiency Ratio64.51%51.87%58.88%64.74%Beats 27%73 / 98
Asset Quality
Nonperforming Loans / Loans1.15%0.01%0.33%1.05%Beats 24%75 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 53%47 / 98
Capital
Tier 1 Capital Ratio12.62%11.81%13.71%17.33%Beats 36%63 / 98
Total Risk-Based Capital Ratio12.62%11.81%14.13%17.45%Beats 31%68 / 98
Equity / Assets11.47%8.60%11.34%13.10%Beats 52%47 / 98
Liquidity & Funding
Loans / Deposits69.39%57.09%69.84%82.47%49th pctl50 / 98
Loans / Assets61.03%49.34%58.31%68.94%54th pctl45 / 98
Brokered Deposits / Depositsn/aNot reported for this institution