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Kcb Bank
Lakin, KS · FDIC Certificate #15194 · Chartered 01/0
Total assets
$322.30M
Total deposits
$283.51M
Total equity
$36.96M
Net loans
$193.33M
Branches (offices)
2
Net income (YTD)
$2.10M
Rank: #2,368 of 4,213 U.S. banks by assets · #66 of 183 in Kansas. Assets changed -1.9% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 11.49% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 11.47% |
| Tier 1 leverage ratio | 12.62% |
| Uninsured deposits (share of deposits) | 26.4% |
| Noncurrent loans (share of loans) | 1.15% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 68.2% |
| Real estate loans (share of loans) | 69.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $134.50M | 69.6% | |
| Commercial & industrial | $26.54M | 13.7% | |
| Consumer / individual | $4.07M | 2.1% | |
| Construction & development | $2.22M | 1.1% | |
| Agricultural | $30.00M | 15.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $261.16M | $216.89M | $2.28M | $32.39M |
| Jun 2023 | $284.59M | $246.20M | $1.70M | $32.49M |
| Jun 2024 | $316.43M | $270.22M | $1.45M | $35.10M |
| Jun 2025 | $328.55M | $274.52M | $1.82M | $36.28M |
| Jun 2026 | $322.30M | $283.51M | $2.10M | $36.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $283.51M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.51M.
Similar-sized banks
Forest Park National Bank And Trust Company ($322.35M) · First National Bank And Trust ($322.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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