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KCB Bank

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

Lakin, KS

2 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +3.3% year over year ($283.5M on the books).
  • Delinquency rate 1.17%.
  • Return on assets 1.27%.
  • Efficiency ratio 63.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

KCB Bank has 1 strength but faces 4 concerns

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

  • + Efficiency Ratio 0.85% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 31.0% in tier
  • - Credit Quality Pressure: Bottom 47.8% in tier
  • - ROA 0.05% below tier average
  • - Net Interest Margin 0.49% below tier average
Get updates when KCB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $322.3M
-1.9% YoY -2.1% QoQ
-$64.3M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $193.3M
-1.9% YoY +6.6% QoQ
-$65.0M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $283.5M
+3.3% YoY -2.8% QoQ
-$43.2M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.27%
+11.8% YoY +24.2% QoQ
-0.05% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.50%
-0.7% YoY +7.7% QoQ
-0.49% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 63.63%
+5.1% YoY -5.3% QoQ
-0.85% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
46%
Delinquency Rate ? 1.17%
+12.7% YoY -29.4% QoQ
+0.25% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 68.19%
-5.0% YoY +9.7% QoQ
-9.76% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 16.36%
+7.1% YoY +3.5% QoQ
-5.68% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.86%
+38.6% YoY -5.4% QoQ
+0.19% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 12.62%
-1.3% YoY +4.9% QoQ
-3.29% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.22%
+10.1% YoY +112.8% QoQ
-0.35% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 16.4%
+1.1pp YoY
+0.5pp QoQ
 -5.8pp 22.1% 22.3% 22.2% 29%
Brokered Deposits 11.2%
-4.0pp YoY
+0.4pp QoQ
 +3.3pp 7.9% 8.7% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 13.7%
-6.2pp YoY
-0.5pp QoQ
 +2.2pp 11.6% 12.6% 12.5% 71%
CRE 22.6%
-1.1pp YoY
-1.3pp QoQ
 -16.9pp 39.5% 28.8% 41.4% 22%
1-4 Family 23.3%
+2.4pp YoY
-1.8pp QoQ
 -9.4pp 32.6% 26.7% 31.3% 37%
Consumer 2.1%
+0.1pp YoY
-0.1pp QoQ
 -2.0pp 4.1% 4.6% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 12.6%
-0.2pp YoY
+0.6pp QoQ
 +0.4pp 12.2% 12.6% 12.6% 71%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 43
0 YoY
-1 (-2.3%) QoQ
 -16 58 70 482 45%
Assets per Employee ($) $7.5M
-1.9% YoY
+0.2% QoQ
 -$23K $7.5M $7.1M $8.8M 61%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.2pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.4% 0.4% 74%
Nonaccrual 0.9%
-0.1pp YoY
-0.5pp QoQ
 -0.1pp 0.9% 0.8% 1.0% 68%
Allowance Coverage 1.50x
+1.0% YoY
+32.7% QoQ
 -22.66x 24.15x 22.44x 20.23x 39%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 11.5%
+1.3pp YoY
+2.1pp QoQ
 -0.7pp 12.2% 14.3% 11.6% 46%
Cost of Funds (YTD) 2.2%
-0.4pp YoY
-0.1pp QoQ
 +0.5pp 1.7% 1.6% 1.7% 81%
Net Income ($, YTD) $2.1M
+14.8% YoY
— QoQ
 -$460K $2.6M $3.7M $40.4M 54%

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 (2)

Flatlined Growth

risk
#165 of 529 • Bottom 31.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.27%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#601 of 1256 • Bottom 47.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.17%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2005
Nonperforming Asset Ratio
credit_quality
Value: 0.86%
Peer Median: 0.67%
#2005 of 2643 Bottom 24.2% in $100M-$1B
1982
Delinquency Rate
credit_quality
Value: 1.17%
Peer Median: 0.92%
#1982 of 2633 Bottom 24.8% in $100M-$1B
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