KCB Bank: how it compares with its peers
Against 81 KS banks with half to twice its assets, KCB Bank's strongest measure in Q2 2026 is assets per employee ($7.5M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.50% vs. 4.07%).
| Measure | KCB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.51% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 4.07% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.63% | 58.57% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.7M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.19% | 77.38% | Context |
What it means for lending operations
Its efficiency ratio of 63.63% is above the 58.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank and Trust Phillipsburg, KS · $322M
- Heritage Bank Topeka, KS · $325M
- Centera Bank Sublette, KS · $318M
- Stryv Bank Wichita, KS · $333M
- The Citizens State Bank Gridley, KS · $336M
- Kaw Valley Bank Topeka, KS · $340M
Questions about KCB Bank
How big is KCB Bank?
KCB Bank, established in 1888, is headquartered in Lakin, KS. It reported $322M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is KCB Bank's return on assets?
1.27% annualized in Q2 2026, against a 1.51% median for 81 KS banks with half to twice its assets, ahead of 26% of them.
What is KCB Bank's efficiency ratio?
63.63% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is KCB Bank growing its loans?
Net loans shrank 1.9% over the year to Q2 2026, while deposits grew 3.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.