The Kearny County Bank

221 North Main Street
Lakin, KS 67860

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15194
Date Established 1888
Assets $0.20 billion
Loans $0.15 billion
Deposits $0.17 billion
Capital $0.03 billion

The Kearny County Bank is an FDIC insured institution located in Lakin, KS. It was founded in 1888 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

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

Bank Loan Profile?

The top three loan types in The Kearny County Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Kansas, The Kearny County Bank has a significantly higher percent of Multifamily Mortgages 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.88
Multifamily
Mortgages
5.13
Credit Card Loans 0.00
Consumer Auto Loans 1.57
Small Business Loans 12.47
Construction and Development Loans 1.42
Commercial Real Estate 17.57
Commercial and Industrial Loans 20.61
Farm Loans 14.82

Deposit Rates - June 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $1,000 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $24,999 Learn MoreShow Less
Money Market
0.60% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
1.80% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
1.90% $50,000 - Learn MoreShow Less
2.00% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
2.10% $50,000 - Learn MoreShow Less
2.05% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
2.15% $50,000 - Learn MoreShow Less
2.05% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
2.15% $50,000 - Learn MoreShow Less
2.05% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
2.15% $50,000 - Learn MoreShow Less
2.10% $10,000 $24,999 Learn MoreShow Less
30 Mo CD
2.15% $50,000 - Learn MoreShow Less
2.10% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
2.15% $50,000 - Learn MoreShow Less
2.15% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
2.20% $50,000 - Learn MoreShow Less
2.20% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
2.30% $50,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.95% $1,000 $9,999 Learn MoreShow Less
Special: 30 Mo FIRA
2.00% $1,000 $9,999 Learn MoreShow Less
Special: 30 Mo FIRA
2.10% $10,000 $49,999 Learn MoreShow Less
Special: 30 Mo FIRA
2.15% $50,000 - Learn MoreShow Less
Special: 42 Mo FIRA
2.10% $1,000 $9,999 Learn MoreShow Less
Special: 42 Mo FIRA
2.15% $10,000 $49,999 Learn MoreShow Less
Special: 42 Mo FIRA
2.20% $50,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
2.20% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $500 $9,999 Learn MoreShow Less

Loan Rates - June 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Kearny County Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The Kearny County Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The Kearny County Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Kearny County Bank Locations


Financial Details

The Kearny County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Kearny County 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
The Kearny County Bank U.S. Bank Average
4.33% 6.97%

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 December 31, 2018, The Kearny County Bank had $1,456,000 in non-current loans and $118,000 in owned real estate. To cover these potential losses it had $34,294,000 in equity and $2,079,000 in loans loss reserves. That gives it a Texas Ratio of 4.33%.

Return on Equity
The Kearny County Bank U.S. Bank Average
11.68% 8.80%

The Kearny County Bank has a Return on Equity of 11.68% versus the BestCashCow average of 8.80%. 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.

Capitalization
The Kearny County Bank U.S. Bank Average
16.9% 12.29%

The Kearny County Bank has a Capitalization of 16.9% versus the BestCashCow average of 12.29. 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.

The Kearny County Bank Balance Sheet Analysis

As of December 31, 2018, The Kearny County Bank had assets of $202,887,000, loans of $145,754,000, and deposits of $167,057,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 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 $0.01 billion
     Total Assets $0.17 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 75.46%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The Kearny County Bank

Branches and Savings

Is The Kearny County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15194.

Why does The Kearny County Bank pay such low interest on savings accounts?

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

Why are The Kearny County Bank CD rates not competitive?

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

Is The Kearny County Bank a commercial bank?

Yes

Where are The Kearny County Bank locations?

See branch locations nearby.

Is The Kearny County Bank open on Saturdays?

Is The Kearny County Bank open on Sundays?

What time does The Kearny County Bank open?

What time does The Kearny County Bank close?

Are The Kearny County Bank ATMs Open 24/7?

Do The Kearny County Bank ATMs accept cash deposits?

Can The Kearny County Bank customers use other ATMs?

Do The Kearny County Bank branches have notaries?

Will The Kearny County Bank notarize my document?

What address for The Kearny County Bank should I put for incoming ACH transfers?

Will the The Kearny County Bank branch print checks?

Do The Kearny County Bank checks expire?

Does The Kearny County Bank require US citizenship to open account?

Can The Kearny County Bank close my account?

Does The Kearny County Bank Report to credit bureaus?

Does The Kearny County Bank Use Equifax?

What is The Kearny County Bank's ACH Routing Number?

What is The Kearny County Bank's SWIFT code?

Products

Does The Kearny County Bank offer mortgages?

Compare mortgage rates here.

Does The Kearny County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Kearny County Bank offer personal loans?

Compare personal loan rates here.

Does The Kearny County Bank offer student loans?

Will The Kearny County Bank cash a check?

Will The Kearny County Bank redeem a savings bond?

Does The Kearny County Bank cash savings bonds?

Will The Kearny County Bank cash money orders?

Can The Kearny County Bank issue a money order?

Does The Kearny County Bank do currency exchange?

Background on The Bank

Who owns The Kearny County Bank?

How long has The Kearny County Bank been around?

Can The Kearny County Bank transfer to other banks?

Does The Kearny County Bank have quick pay?

Does The Kearny County Bank accept rolled coins?

Will The Kearny County Bank accept loose change?

Where is The Kearny County Bank headquarters?

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