Bank Comparison
Community Bank of Oklahoma vs Kaw Valley State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community Bank of Oklahoma | Kaw Valley State Bank |
|---|---|---|
| CET1 Ratio | — | 16.73% |
| Tier 1 Capital Ratio | — | 16.73% |
| Total Capital Ratio | — | 17.76% |
| Tier 1 Leverage Ratio | 12.46% | 8.72% |
| Equity / Assets | 10.31% | 3.30% |
Profitability
| Metric | Community Bank of Oklahoma | Kaw Valley State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.85% | 0.76% |
| Return on Equity (ROE) | 16.77% | 24.29% |
| Net Interest Margin (NIM) | 4.86% | 3.29% |
| Yield on Earning Assets | 6.19% | 4.78% |
| Cost of Funds | 1.28% | 1.45% |
Asset quality
| Metric | Community Bank of Oklahoma | Kaw Valley State Bank |
|---|---|---|
| Texas Ratio | 19.27% | 17.84% |
| Non-Performing Loan Ratio | 3.08% | 0.96% |
| Non-Performing Asset Ratio | 1.67% | 0.39% |
| Net Charge-Off Ratio | 0.00% | -0.18% |
| ACL / Loans | 1.05% | 1.22% |
Balance sheet
| Metric | Community Bank of Oklahoma | Kaw Valley State Bank |
|---|---|---|
| Total Assets | $72,450K | $72,316K |
| Total Deposits | $64,421K | $69,633K |
| Total Loans | $39,301K | $29,717K |
| Total Equity | $7,466K | $2,384K |
| Net Income (quarter) | $316 | $135 |
Liquidity & funding
| Metric | Community Bank of Oklahoma | Kaw Valley State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.01% | 42.68% |
| Core Deposit Ratio | 92.92% | 97.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Bank of Oklahoma | Kaw Valley State Bank |
|---|---|---|
| Headquarters City | VERDEN | Eudora |
| Headquarters State | OK | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 17 | 11 |
| Established | Aug. 1, 1907, midnight | Jan. 1, 1899, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Community Bank of Oklahoma profile | View full Kaw Valley State Bank profile | Browse all bank comparisons