Our History

The Kearny County Bank was organized in 1888 by Messrs. B.B. Bacon & C. M. Crawford of Tolono, Illinois following the failure of the Bank of Lakin in 1887.

Organized with $11,000 in capital, the Kearny County Bank occupied the Spivey & Holmes Brothers Building that was located at the current site of the Lakin Fire Department at Main & Waterman. Until 1900 the building was shared with Spivey & Holmes Mercantile when Kearny County bought the building for its county offices and court house. The KCB shared the building with the county until 1906 when its first permanent location was constructed across the street to the west. The bank remained at this location until 1963 when it moved to its present location two blocks north at Main and Washington. Since its move to its present location today the bank has experienced substantial growth in both assets and capital.

Though the Kearny County Bank has been around for more than 130 years it has had numerous owners. In 1904 the original organizers sold the bank to local residents. In 1935, the Deerfield State Bank which was under common ownership with the Kearny County Bank was merged and the Deerfield State Bank was closed. Until 1946 the bank was owned by local residents when a majority share was sold to the owners of the Garden National Bank with the Campbell family retaining its minority interest. At that time, the Lakin State Bank was merged into the Kearny County Bank.

In 1955, majority control of the bank was returned to local hands when the investor group of Dan Ratzlaff, JR Hutton and Clyde Beymer, Jr. acquired the shares controlled by the Garden National Bank owners. The bank is now controlled by the Beymer family and managed by two of Clyde’s sons, Gary Beymer & Bob Beymer.

Recognizing the need to grow beyond Lakin and Kearny County, the management of the KCB actively began looking for acquisition opportunities. That endeavor culminated in October 2012 with the acquisition of the Garden City State Bank located 1910 E. Mary Street, Garden City, KS.

The Garden City State Bank was organized in 2000. In the short period of its existence, Frank Reifschneider, Doug Laubach and their dedicated staff grew the GCSB from nothing to $70,000,000 in assets. Going forward, the combination of the two banks will enhance the ability of The Kearny County Bank to serve the consumers, farmers and businesses of southwest Kansas with a broad range of quality financial services.

KCB Bank Today

Proudly Serving our Communities
Best Bank in Kansas
KCB Bank sponsors charities and community events

Inspiring the youth

KCB has been here for almost 150 years and we understand the needs of our community and what our customers expect from us to help them succeed.  As the seasons change and years go by, KCB has been thru all of them and will continue to be here.  Over those years we have built trust and relationships with our customers and community.  That trust in KCB allows you to focus on the important things in life.

We have team members who coach youth sports, serve on charitable board of director committees, schools, community groups, and other organizations.  KCB has volunteers at many events that couldn’t happen without the help of the community.  Their selfless dedication to making Southwest Kansas a great place to live is who we are and everything we stand for.

Helping families thrive

We serve our community, because the communities we live in have supported us.  Along with contributing financially to many organizations, our team members are proud of the time they give back to the community. 
KCB supports by donating time and resources to the communities of the Southwest Kansas area.  We contribute to numerous philanthropic and civic organizations helping thousands of children and families thrive.  Along with financial donations to the communities of our area, our amazing team members take pride in volunteering and sharing their valuable time giving back to the place we call home.

Bank in Western Kansas
Supporting the public library book fairs
Coaching and sponsoring youth sports

Community Links

NOTICE: You will leave our website if you select any of the external links below.

Check out various websites for our community below:

City of Lakin 

Lakin School USD 215 

City of Deerfield 

Deerfield School USD 216

Kearny County Attractions

Kearny County Hospital

About Kearny County

City of Garden City

Garden City Schools USD 457

City of Holcomb

Holcomb Schools USD 363

Holcomb Recreation Commission

Finney County

Finney County United Way

Beef Empire Days

Garden City Chamber of Commerce

Finney County Economic Development Corp.

Garden City YMCA

Garden City Recreation Commission

St. Catherine Hospital

About Finney County

Finney County Convention and Visitors Bureau

Garden City Board of Realtors

Our Services

Branch Services

Our bank offers a large variety of different branch services to enhance your banking experience! See our various services below:
VISA® Gift Cards

No matter what the occasion, Visa Gift cards are smart, thoughtful and always well-received.

Safe Deposit Box*

Enjoy peace of mind knowing your valuables are stored in a secure, fireproof safe deposit box. We offer a full range of box sizes at our Lakin and Garden City locations.

Drive Thru Banking

We know life is busy. Use our drive thru banking to process your transactions and we will get you on your way quickly!

Night Depository

Do you find yourself needing to make a deposit after hours? Just drop it in our night depository. We have one available at each of our locations.

Wire Transfers

Need to send money in a hurry? Visit one of our branches and get that money on it’s way!

Voice Banking

Call 1-888-970-1108 and experience firsthand the power of Voice Banking. It's telephone banking at your fingertips, anytime, day or night. Check account balances. Confirm recent deposits, ATM withdrawals, or paid checks. Transfer money between accounts. Make loan payments. Whatever you choose, Voice Banking is safe, fast and easy to use.

Automatic Teller Machines

Take full advantage of easy access to your checking/savings accounts with your Kearny County Bank check card. Instantly withdraw cash 24/7, both locally and worldwide. Enjoy free withdrawals at our branch ATM locations. Check account balances and transfer funds. We also offer an array of banking services through both InstaKEY Select automated teller machines.

InstaKEY Select Network

Kearny County Bank is part of the InstaKEY Select Network, a group of ATMs located across Kansas and Missouri that you can access surcharge-free; whether you’re across town or traveling miles away. With your Kearny County Bank ATM and/or Check Card, you can access your account(s) at more than 90 InstaKEY Select Network ATM locations without paying a surcharge from the ATM owner. 

*KCB foreign ATM charges may still apply.

Online Services

Online Banking 

Manage your money from anywhere in the world at any time, day or night. Our free online banking system provides 24-hour access to most of your accounts. View real-time balances and activity, transfer funds, and access account history.

Online Bill Payment 

No more writing checks and no more stamps. Now you can pay your bills online or we can automatically pay them for you on a date you choose. Going on a business trip or vacation? Simply schedule payments online before you leave, and we'll make sure they're paid on time.


Electronic Statements give you an immediate, electronic way to receive information on your account statements…paper-free! Receive your statements safely and securely, right within online banking. E-mail notification keeps you up to date on your accounts.


Electronic Notices alert you electronically with notices on overdrafts, wire transfers, loan notices and more.

Direct Connect for Quickbooks and Quicken

Now you can download your account information directly into the software programs.  Downloading your deposit account information directly into Quicken and QuickBooks lets you manage your personal and household finances quickly and easily without manually entering each purchase or deposit. Discover how Quicken Personal Finance Software and QuickBooks can help you collect and consolidate financial information directly from Kearny County Bank.  Now it’s easy to see your finances, instantly.

Mobile Services

Check Your Balances – Transfer Money – Bill Payment – Text Banking – Remote Deposit

Note: You must be signed up for Online Banking to take advantage of our mobile banking features.

Banking 24/7 from your mobile devices. Download your mobile app today. You'll find us at Kearny County Bank through the Google Play Store or your iPhone App Store.

Take advantage of our Text Mobile Banking, too!

Why not take it a step further and apply for Mobile Remote Deposit. Take a picture of your check and you’re done!

Google Apps (VIEW)

Apple Store (VIEW)

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Member FDIC
Garden City Bank

Garden City Branch

Bank in Southwest Kansas

1910 E Mary Street
PO Box G
Garden City, KS 67846

Kearny County Bank

Lakin Branch

Bank in Southwest Kansas

221 N Main Street
PO Box 67
Lakin, KS 67860

  • Mon - Fri
    8:00am - 5:30pm
  • Sat
    9:00am - 12:00pm
Bank in Southwest Kansas

Kearny County Bank
KCB looks forward to helping you discover countless financing solutions.

Lakin, Kansas

Lakin Branch
221 N Main Street
Lakin, KS 67860

Garden City, Kansas

Garden City Branch
1910 E Mary Street
Garden City, KS 67846

*APY = Annual Percentage Yield
Routing Number: 101106625
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