# KCB BANK
LAKIN, KS · FDIC certificate 15194 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $322.3M | |
| Deposits | $283.5M | |
| Loans and leases | $196.7M | |
| Total equity | $37.0M | |
| Loans / deposits | 68.19% (p22 of band) | 82.04% |
| Liquid assets / assets | 36.19% (p77 of band) | |
| Uninsured deposits / deposits | 26.38% (p52 of band) | 25.97% |
| Brokered deposits | 9.85% | |
| Wholesale funding | 9.85% (p76 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.62% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -17.12% (p27 of band) | -8.10% |
| AOCI / equity | -0.12% (p65 of band) | |
| ROA (annualized) | 1.27% (p50 of band) | 1.28% |
| Net interest margin | 3.50% (p28 of band) | 3.91% |
| Efficiency ratio | 63.63% (p57 of band) | |
| Noncurrent loans | 1.15% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 149.51% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 6.02% (p10 of band) | |
| Auto loans | $3.5M (1.80% of loans; DQ 3.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-03 | 2 |  |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | reserve under noncurrent | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 2 | capital falling, reserve under noncurrent |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | reserve under noncurrent | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 1 | brokered >10% |  |
| 2024-06 | 4 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-12 | 1 |  | wholesale funding >15% |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | wholesale funding >15%, capital falling |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 | uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-03-04 [WaterEquity and KCB Bank Tanzania Sign $15 Million Loan Agreement to Expand Water Access in Tanzania - PR Newswire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNaVZ5c3g0U1RVWVR2LVdwZXh3LUpiWDJwU1d4S3hFUnNLNmFKNXNIblJBTk1WcXNEQ3N6dTJ1OGZvVUhSQ0lKTHZVNm5BeTJjX1lrQ1N1cTB6VlpXNG1jSXBUTndWd3Q2NHRZM3YzVWNKN0I1NzlmYkRhOEN5WFl3ZE9ia1pCNExWYmt0VUFVb1FqQ1RKV25Ob1U3blRBcjdHbmZWZUFrTmY5VmlHeXgzRzVTdjZqWFktUlZfN3hfbGNWODY2NUI1R1FMSG5fb0N0T2hibHdIQUtNMHBsQzNnM1hlemt2YVQ0TDJn?oc=5) · PR Newswire
- 2019-10-23 [Kansas City Based Academy Bank Makes Strategic Acquisition - Banking Exchange](https://news.google.com/rss/articles/CBMirAFBVV95cUxPYWt6Um9GVzV5OWt6SVhOMkc0MTNhNXE5SGk2UVEwb1FnQWRsUW83Q3JnUGk4ODlLOFFnTDFJN01jTFlCbWZhVUYzLVpGSXZoLVZWdy0yNEpDaTRiM0M1emZZWFNaSzB3S0lsTjdjU0pHNzBsZi01OGpvZ280UmczRVBaMTVJd19vRGR3TUpqLXY1cUJkS01HamFvWlp5TXkwN19JSzM2Z1J6UkFf?oc=5) · Banking Exchange
- 2024-06-11 [Kansas City bank has no plans for a pause after striking deal - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNcjIyaGppVjBUZ0Zza204SjhvTTlUTEVjd0xLNVJCdk85ZTdLeVpwTGlJeHRvNzh2OV85dndodmFFbUpNdU1TcnR0bTVrWG5iR3BuTjlJM2xOa1J1dV8xdGkzeEdtUXoyRFpVOWdkeS13OVJha01IZ0Q1a2JlSklTeUZpV0xLRkxwdENZTTB3dmFjM045THg3elRwV3ZSZw?oc=5) · American Banker
- 2018-01-22 [Bank robbery suspect arrested at NKC casino - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeVducWxXRmQyY0VlQUhWbmZUN0hGbTJZZmd3UElKMHc3Y19Jb2JSbWxnTWRxd1ZuMm1kNGRtNlhsQ2tZZ2o4cm51T19mOXZRRGFDNEtQUUk4VG5wTGFNOEtTVGNtb0FRcmhBeDRTVnVaSGF4ZEdvXzB3LTNFNld6ZGQ1RUdCY0xWdG9EcmVaMnBBS1pKQVJlbQ?oc=5) · KSHB 41 Kansas City
- 2025-08-01 [Verimore hopes Northland expansion fills void left by other banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbnNjN0lQMXk5OUNacHhpcTM1ejd4dWVnYlhOVURtN21QTW8xcHRNUTVldDBBRkpHRWZ1TzdrWFNzNGptclcwdWJMU2IxSFgtbHhlbzYxODRRelJuaFEtS2lwRmJ2N3V2WjgyNGpUOGdkZ3lYQzViOUUycEFRMVdFekYyamhmaXZXbExDdndzbVhneDlKVG82RG1FV3NsX0pkSkE?oc=5) · The Business Journals
- 2018-07-24 [Kansas City man robs bank to cover poker game losses, then returns to Harrah’s Casino - Kansas City Star](https://news.google.com/rss/articles/CBMic0FVX3lxTE96R0dYdVpxaUYwRWprOU93X0FTcVdMVzl3UC1lT3ZsMVlOaEY4SFlMT1ZvR245WEFPSDBEUkFxdm5uMnFjSkM1bGx1blhNVTJVVFVnWFdBQTJKdTN4LUFIXzRQRnVtSHhYSVVTdWs1dmxaZWPSAXNBVV95cUxOb0pWSkJ3aE9Uc05Sdkk4VDhaZnBBbkstc3FwZ09HdS02WXZMSkFaMWhIOHlRbHo0ZHB6SFFBWTRlSmtPN0lvWmJ2N3NuTk5HSzFjS0ZqSzRnU2I4MmNlTndlak9qVUtMeWkwcldKREMtNEJR?oc=5) · Kansas City Star
- 2024-08-20 [Kansas Department of Agriculture Marketing Advisory Board Members Appointed - KSAL News](https://news.google.com/rss/articles/CBMingFBVV95cUxQWVZyUnhaeTNJR1psbXFBb1U4UjhzcmFlZHd1SVZ3NlpsZEpNLXAyWnNfVU9XRUdVMHZ1VUE5Q0NPalVFalhjR2xTLUFCWDl1VlF0Y3BlVTFJdTNUZE43VWg4T194RW04REh3WVVwWS1aT0NGcFVVSnBJcEwwQlBCT2FwRkFQTUswa0szMWZiZ0gzU3BlRkpHajMtRFZTdw?oc=5) · KSAL News
- 2010-03-30 [AMY ABBOTT Obituary (2010) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPenRDSklZREtDUXdHTExHRGc2WGNKS25kMUxZR0ZTVnhsdkNNUElpNzB3QXIwRl95VHd4WktnV0ZLM2pNSTlxQW1vbmd0MmxOeVFmT2pQZHBaaTlkRVI4VDJaV1NnaW0yTTFTZTJyNkpYVm9BdXgzd3BIcTZDUG9HZzRNeGh5Ykh3OTdr?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15194 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "15194", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide