KCB Bank

950 West 92 Highway
Kearney, MO 64060


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9793
Date Established 1887
Assets $0.25 billion
Loans $0.20 billion
Deposits $0.21 billion
Capital $0.04 billion

KCB Bank is an FDIC insured institution located in Kearney, MO. It was founded in 1887 and has approximately $0.25 billion in assets. Customers can open an account at one of its 7 branches.

For a more detailed analysis of KCB Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1 $10,000 Learn MoreShow Less
Money Market
0.25% $10,001 $25,000 Learn MoreShow Less
Money Market
0.30% $25,001 $50,000 Learn MoreShow Less
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.40% $500 - Learn MoreShow Less
12 Mo CD
0.75% $500 - Learn MoreShow Less
18 Mo CD
0.80% $500 - Learn MoreShow Less
24 Mo CD
1.20% $500 - Learn MoreShow Less
30 Mo CD
1.20% $500 - Learn MoreShow Less
36 Mo CD
1.35% $500 - Learn MoreShow Less
48 Mo CD
1.50% $500 - Learn MoreShow Less
60 Mo CD
1.60% $500 - Learn MoreShow Less

Fixed IRA
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for KCB Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to KCB Bank
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KCB Bank Locations

Financial Details

KCB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of KCB Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
KCB Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, KCB Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $37,957,000 in equity and $2,191,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
KCB Bank U.S. Bank Average
10.54% 9.47%

KCB Bank has a Return on Equity of 10.54% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

KCB Bank U.S. Bank Average
14.9% 12.49%

KCB Bank has a Capitalization of 14.9% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

KCB Bank Balance Sheet Analysis

As of March 31, 2019, KCB Bank had assets of $254,687,000, loans of $203,569,000, and deposits of $210,312,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.20 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.22 billion
Total deposits $0.21 billion
      Interest-bearing deposits $0.16 billion
      Deposits held in domestic offices $0.21 billion
      % insured (estimated) 73.97%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.22 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in KCB Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, KCB Bank has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.09
Credit Card Loans 0.00
Consumer Auto Loans 0.29
Small Business Loans 0.00
Construction and Development Loans 20.05
Commercial Real Estate 44.82
Commercial and Industrial Loans 12.41
Farm Loans 0.17

Frequently Asked Questions About Kcb Bank

Branches and Savings

Is Kcb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9793.

Why does Kcb Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Kcb Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Kcb Bank a commercial bank?


Where are Kcb Bank locations?

See branch locations nearby.

Is Kcb Bank open on Saturdays?

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Does Kcb Bank offer mortgages?

Compare mortgage rates here.

Does Kcb Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Kcb Bank offer personal loans?

Compare personal loan rates here.

Does Kcb Bank offer student loans?

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Background on The Bank

Who owns Kcb Bank?

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