The Kearny County Bank

Headquarters

221 North Main Street
Lakin, KS 67860
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.60% 1.15% →
2-Year CD 0.60% 1.26% →
5-Year CD 0.75% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The Kearny County Bank is an FDIC insured institution located in Lakin, KS. It was founded in 1888 and has approximately $0.22 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 15194
Date Established 1888
Assets $ 218.70 million
Loans $ 148.93 million
Deposits $ 180.45 million
Capital $ 36.72 million
 

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.

Deposit Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $100 - Learn More
Money Market
0.15% $1,000 $9,999 Learn More
Money Market
0.25% $10,000 $24,999 Learn More
Money Market
0.35% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.30% $10,000 $24,999 Learn More
3 Mo CD
0.40% $50,000 - Learn More
6 Mo CD
0.40% $10,000 $24,999 Learn More
6 Mo CD
0.50% $50,000 - Learn More
12 Mo CD
0.50% $10,000 $24,999 Learn More
12 Mo CD
0.60% $50,000 - Learn More
18 Mo CD
0.50% $10,000 $24,999 Learn More
18 Mo CD
0.60% $50,000 - Learn More
24 Mo CD
0.50% $10,000 $24,999 Learn More
24 Mo CD
0.60% $50,000 - Learn More
30 Mo CD
0.55% $10,000 $24,999 Learn More
30 Mo CD
0.60% $50,000 - Learn More
36 Mo CD
0.55% $10,000 $24,999 Learn More
36 Mo CD
0.60% $50,000 - Learn More
48 Mo CD
0.60% $10,000 $24,999 Learn More
48 Mo CD
0.65% $50,000 - Learn More
60 Mo CD
0.65% $10,000 $24,999 Learn More
60 Mo CD
0.75% $50,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $1,000 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $9,999 Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$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:
Fairfield,Connecticut


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
6.04% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2019, The Kearny County Bank had $2,248,000 in non-current loans and $109,000 in owned real estate. To cover these potential losses it had $36,717,000 in equity and $2,324,000 in loans loss reserves. That gives it a Texas Ratio of 6.04%.

Return on Equity
The Kearny County Bank U.S. Bank Average
13.13% 9.41%

The Kearny County Bank has a Return on Equity of 13.13% versus the BestCashCow average of 9.41%. 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
16.79% 12.82%

The Kearny County Bank has a Capitalization of 16.79% versus the BestCashCow average of 12.82. 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, 2019, The Kearny County Bank had assets of $218,701,000, loans of $148,931,000, and deposits of $180,445,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $ 7.31 million
Interest-bearing balances $ 0.84 million
Total securities $ 38.01 million
Federal funds sold and reverse repurchase $ 13.96 million
Net loans and leases $ 148.93 million
Loan loss allowance $ 2.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles $ 1.18 million
All other assets $ 6.86 million
     Total Assets $ 181.98 million
LIABILITIES
Total deposits $ 180.45 million
      Interest-bearing deposits $ 144.81 million
      Deposits held in domestic offices $ 180.45 million
      % insured (estimated) 73.70%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.54 million
      Total Liabilities $ 181.98 million
      Shareholders’ Equity $ 36.72 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 10.45 million
Total Interest Expense $ 1.72 million
Net interest income $ 8.73 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.24 million
Total non interest expense $ 5.41 million
Pre-tax Net Operating Income $ 4.56 million

Bank Loan Profile?

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

Compared to other banks, The Kearny County Bank’s loan portfolio does not show any specific loan specialty.

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 20.70
Multifamily
Mortgages
4.85
Credit Card Loans 0.00
Consumer Auto Loans 1.60
Small Business Loans 12.69
Construction and Development Loans 2.53
Commercial Real Estate 17.37
Commercial and Industrial Loans 21.10
Farm Loans 15.69

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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