# KCB BANK
KEARNEY, MO · FDIC certificate 9793 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $235.3M | |
| Deposits | $176.1M | |
| Loans and leases | $193.1M | |
| Total equity | $40.1M | |
| Loans / deposits | 108.41% (p96 of band) | 77.79% |
| Liquid assets / assets | 13.72% (p10 of band) | |
| Uninsured deposits / deposits | 24.93% (p80 of band) | 15.94% |
| Brokered deposits | 1.69% | |
| Wholesale funding | 9.37% (p82 of band) | |
| FHLB advances / assets | 7.68% | |
| Tier 1 leverage | 16.25% (p85 of band) | 11.56% |
| Unrealized securities loss / equity | 0.50% (p42 of band) | 0.80% |
| AOCI / equity | 0.82% (p30 of band) | |
| ROA (annualized) | 1.62% (p82 of band) | 1.05% |
| Net interest margin | 4.63% (p88 of band) | 3.84% |
| Efficiency ratio | 64.22% (p38 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 104.84% (p96 of band) | |
| Auto loans | $721,000 (0.37% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.6% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2013-09 | 0 |  | capital falling, reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | deposits shrinking, assets shrinking |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 | charge-offs p90 | capital falling |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2018-12 | 2 | brokered >10%, construction >100% equity | loans exceed deposits, uninsured deposits leaving |
| 2019-03 | 1 |  | brokered >10% |
| 2019-06 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 3 |  | uninsured deposits leaving |

## 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
- 2019-09-11 [Community bank rethinks wisdom of branch closings - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQ2lyMVJsMHB3R2dkTXRTRTg4Y0RwRDBhUmFHd1R2bTdHMVpBaS1HMVV0azZtRnY4eEhGRlJtTEJBZTNObW1PMzlLcEgweFNkXzlRTFlHRGc0ZlJwQjNweHZ5N3I5Tk52OFlRZ3lsTEFhaVg1U3lDN0FDNXlGQldBbnBSeTRORFRFRE83NXdB?oc=5) · American Banker
- 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
- 2022-01-11 [Joshua Oigara-led KCB Bank commits $7.1 million to support MSMEs in Kenya - Billionaires.Africa](https://news.google.com/rss/articles/CBMitwFBVV95cUxNcjZTQzNfUkRCVWFkMUNLRGhKVzcxVWdHV0tSRlVyWnBVSmJkV3BzTGZWQWstdzJqN2tTdnpiT3Q4ZExILUhTbG1tc015elBnQnJHVzRDOVpKOWN4NnNTLTFMMVhweEswZDNVbndZNjRKMkFqbGlocTlkTm1RUVU3Z1VvalU2bE42czFrUXZjSmtuc1RqNGlta095c2NtcWhuWklaMXJYY2Q2dEJIejJYQlpia0diaDg?oc=5) · Billionaires.Africa
- 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
- 2024-03-25 [Kenyan banker Paul Russo-led KCB seeks $200-million loan for Kenyan subsidiary - Billionaires.Africa](https://news.google.com/rss/articles/CBMivgFBVV95cUxPM1VZWDBLX0FoUTd1ODkxR3djYVRVUndXa2prM3gzdlIzTnF3NnFrSERucXZvWkRPTE13Qk5jdzlfUS1Qby0xZjB4d29KYk9tT1IzNWhwRTdlLTFsUzhIRFhPbDM1QzFIeThtQmJ0YkFXWE93c1BvRE9Sb2lfN2FuTjJHVHd3SHZoaFRHcXNsd01ZdjZ6SkdFS0ZEbjdtUFFTWU0yTFhUUXhOaUJ0R0o0WUpNR1J5ZVZEQ1cxMG5n?oc=5) · Billionaires.Africa
- 2026-07-22 [KCB Foundation, CFAO Mobility Kenya Launch Youth E-Mobility Training Programme - TechTrendsKE](https://news.google.com/rss/articles/CBMie0FVX3lxTFBUak5PaDBfUEtmWVAwUDcxek0tcUU2UHV6RUZzdzRiRzJjTjJtQzM5RHV3MHhCcnhIdWl4enlUSjlyb0cxNDE1MFdFRGxsQ1hEbllVN2MtbjV1NGFFWGw2N19URjJtOHBqRnlIcjlrUlBza0s1RjdGVnBkOA?oc=5) · TechTrendsKE

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9793 (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/1.json (key "9793", 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