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
Unfavorable gap of $6.5M · efficiency ratio beats 27% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 1.03% | 1.24% | 1.54% | Beats 31% | 68 / 98 | |
| Return on Equity | 9.46% | 8.85% | 11.58% | 14.73% | Beats 30% | 69 / 98 | |
| Net Interest Margin | 3.31% | 3.24% | 3.62% | 3.91% | Beats 29% | 70 / 98 | |
| Efficiency Ratio | 64.51% | 51.87% | 58.88% | 64.74% | Beats 27% | 73 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.01% | 0.33% | 1.05% | Beats 24% | 75 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 53% | 47 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 12.62% | 11.81% | 13.71% | 17.33% | Beats 36% | 63 / 98 | |
| Total Risk-Based Capital Ratio | 12.62% | 11.81% | 14.13% | 17.45% | Beats 31% | 68 / 98 | |
| Equity / Assets | 11.47% | 8.60% | 11.34% | 13.10% | Beats 52% | 47 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 69.39% | 57.09% | 69.84% | 82.47% | 49th pctl | 50 / 98 | |
| Loans / Assets | 61.03% | 49.34% | 58.31% | 68.94% | 54th pctl | 45 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |