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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

6.00%Q2 ’245.70%Q2 ’255.48%Q2 ’26-4%+8%

Non-interest income vs. expense

2.19%Q2 ’242.10%Q2 ’252.41%Q2 ’26-6%+17%

Executive Summary

  • Earnings: ROA of 1.26%, up 20 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.15% of loans (+13 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.26%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+25 bps YoY

Efficiency Ratio (quarter, annualized)

60.43%+398 bps YoY

Tier 1 Leverage Ratio

12.62%-17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%0.83%1.20%0.87%1.26%+20 bps
Return on Equity9.58%7.36%10.72%7.98%11.31%+174 bps
Net Interest Margin3.26%3.30%3.36%3.02%3.51%+25 bps
Efficiency Ratio56.45%60.87%58.33%67.22%60.43%+398 bps
Non-Interest Burden1.69%1.86%1.77%1.93%1.97%+29 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%-0.01%0.30%-0.01%0.01%+1 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