BlastPoint's Banking Scorecard

KCB Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 15194

Lakin, KS

2 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

KCB Bank faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.25% below tier average
- Net Interest Margin 0.68% below tier average
- Efficiency Ratio 1.93% above tier average
- Delinquency Rate 0.77% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$329.1M +3.4% YoY -2.8% QoQ	-$57.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$181.3M +3.3% YoY -5.6% QoQ	-$74.4M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$291.6M +3.7% YoY -2.8% QoQ	-$36.4M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	1.02% +7.3% YoY -13.5% QoQ	-0.25%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	3.25% -7.9% YoY -8.7% QoQ	-0.68%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	67.22% +3.8% YoY +12.0% QoQ	+1.93%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	1.65% +237.5% YoY +38.1% QoQ	+0.77%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	62.19% -0.5% YoY -2.9% QoQ	-14.45%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	15.81% -4.7% YoY -2.0% QoQ	-6.21%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.91% +237.2% YoY +34.1% QoQ	+0.27%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	12.03% -7.5% YoY -1.8% QoQ	-3.80%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.10% +6.3% YoY -76.3% QoQ	-0.18%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

574

Loan-to-Deposit Ratio

liquidity

Value: 62.19%

Peer Median: 76.64%

#574 of 2664 Top 21.5% in $100M-$1B

Top Weaknesses (3 metrics)

2226

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 0.89%

#2226 of 2654 Bottom 16.2% in $100M-$1B

2139

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2139 of 2664 Bottom 19.7% in $100M-$1B

2079

Nonperforming Asset Ratio

credit_quality

Value: 0.91%

Peer Median: 0.64%

#2079 of 2664 Bottom 22.0% in $100M-$1B