KCB Bank (FDIC certificate #15194) is based in Lakin, Kansas. Its Q2 2026 call report shows $322.3M in total assets and $283.5M in deposits and 2 offices.
Based on its Q2 2026 filing, KCB Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 106th. Its strongest component is problem-loan coverage (86/100; 6.9%), and its lowest is loan quality (62/100; 1.15%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (71 → 73), mostly because the funding & liquidity component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 75 |
| Q4 2024 | 81 |
| Q1 2025 | 77 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 66 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.27% |
| Q3 2024 | 13.00% |
| Q4 2024 | 13.41% |
| Q1 2025 | 13.01% |
| Q2 2025 | 12.78% |
| Q3 2025 | 12.70% |
| Q4 2025 | 12.25% |
| Q1 2026 | 12.03% |
| Q2 2026 | 12.62% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.93% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.48% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.95% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $322.3M | 12.62% | 1.15% | 1.27% | 68.2% |
| Q1 2026 | 66 | $329.1M | 12.03% | 1.62% | 1.02% | 62.2% |
| Q4 2025 | 69 | $338.6M | 12.25% | 1.18% | 1.18% | 64.0% |
| Q3 2025 | 71 | $325.3M | 12.70% | 1.04% | 1.10% | 68.0% |
| Q2 2025 | 71 | $328.5M | 12.78% | 1.02% | 1.14% | 71.8% |
| Q1 2025 | 77 | $318.4M | 13.01% | 0.48% | 0.95% | 62.5% |
| Q4 2024 | 81 | $317.5M | 13.41% | 0.21% | 0.95% | 61.5% |
| Q3 2024 | 75 | $315.6M | 13.00% | 0.61% | 0.82% | 64.7% |
| Q2 2024 | 65 | $316.4M | 13.27% | 1.93% | 0.94% | 64.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank and TrustBank Phillipsburg, KS | 72 out of 100, Strong | $322.2M | 14.7% | 1.87% | vs |
| Heritage BankBank Topeka, KS | 64 out of 100, Moderate | $324.9M | 9.9% | 1.28% | vs |
| Centera BankBank Sublette, KS | 78 out of 100, Strong | $318.1M | 9.6% | 0.01% | vs |
| Stryv BankBank Wichita, KS | 62 out of 100, Moderate | $333.3M | 8.9% | 0.00% | vs |
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| Kaw Valley BankBank Topeka, KS | 80 out of 100, Strong | $339.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at KCB Bank?
Yes. KCB Bank is an FDIC-insured institution (FDIC certificate #15194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.4% of deposits ($74.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
KCB Bank lists 2 offices in 2 cities. Most locations:
- Garden City, KS (1)
- Lakin, KS (1)
Identity & history
Profile
- Legal name
- KCB Bank
- Former names
- The Kearny County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15194
- RSSD ID
- 5751
- Primary regulator
- FDIC
- Holding company
- Lakin Bancshares Inc
- Established
- January 1, 1888
- Headquarters
- 221 N Main St, Lakin, KS 67860
- Website
- www.kcbks.bank
- Employees
- 43
Quick answers
KCB Bank: common questions
Is KCB Bank FDIC insured?
Yes. KCB Bank is an FDIC-insured institution (FDIC certificate #15194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is KCB Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has KCB Bank ever failed?
There is no failure record for FDIC certificate #15194 in the FDIC failed bank list.
How many branches does KCB Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lakin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| Landmark National BankBank Manhattan, KS | 62 out of 100, Moderate | $1.6B | 10.2% | 1.18% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |
| Dream First Bank, National AssociationBank Syracuse, KS | 55 out of 100, Moderate | $963.7M | 9.7% | 1.86% | vs |