COTTONWOOD VALLEY BANK

CEDAR POINT, KS | Micro | Est. Jan. 25, 1914, midnight | FDIC #17160 | RSSD #921655 | FED
Latest Report: 2025-12-31

COTTONWOOD VALLEY BANK is amn micro FDIC-insured commercial bank headquartered in CEDAR POINT, KS, established in Jan. 25, 1914, midnight. As of 2025-12-31, the bank reported total assets of $37M and total deposits of $32M. Profitability stands at -1.27% ROA and -11.15% ROE, with a net interest margin of 2.96%. The bank's CET1 capital ratio is 11.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17160.

Assets

$37M

Deposits

$32M

Loans

$6M

Equity

$4M

Profitability

Return on Assets (ROA) -1.27%
Return on Equity (ROE) -11.15%
Net Interest Margin (NIM) 2.96%
Yield on Assets 3.84%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.19%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 4.36%

Capital & Liquidity

CET1 Ratio 11.62%
Tier 1 Capital 11.62%
Total Capital Ratio 12.20%
Leverage Ratio 13.95%
Loan-to-Deposit 19.75%

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