NINNESCAH VALLEY BANK

CUNNINGHAM, KS | Micro | Est. July 23, 1925, midnight | FDIC #4652 | RSSD #789051 | FDIC
Latest Report: 2025-12-31

NINNESCAH VALLEY BANK is amn micro FDIC-insured commercial bank headquartered in CUNNINGHAM, KS, established in July 23, 1925, midnight. As of 2025-12-31, the bank reported total assets of $41M and total deposits of $36M. Profitability stands at 1.00% ROA and 11.27% ROE, with a net interest margin of 4.22%. The bank's CET1 capital ratio is 9.25%. Asset quality metrics show a non-performing loan ratio of 3.14% and a Texas Ratio of 12.82%. FDIC Certificate #4652.

Assets

$41M

Deposits

$36M

Loans

$17M

Equity

$4M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 11.27%
Net Interest Margin (NIM) 4.22%
Yield on Assets 5.23%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 3.14%
Net Charge-Off Ratio --
Texas Ratio 12.82%
NPA Ratio 1.30%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 9.25%
Tier 1 Capital 9.25%
Total Capital Ratio 9.71%
Leverage Ratio 12.54%
Loan-to-Deposit 45.84%

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