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Bank Comparison

Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the vs Claxton Bank, the

Side-by-side regulatory financials for the latest quarter on file with the FFIEC.

Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the

RSSD 368951 · WAMEGO, KS

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vs

10 · 10

winning metrics across 20 comparable rows

Claxton Bank, the

RSSD 452739 · BELLVILLE, GA

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Capital adequacy

MetricKaw Valley State Bank and Trust Company, of Wamego, Kansas, theClaxton Bank, the
CET1 Ratio 15.70%
Tier 1 Capital Ratio 15.70%
Total Capital Ratio 16.95%
Tier 1 Leverage Ratio 11.28% 13.41%
Equity / Assets 11.29% 11.94%

Profitability

MetricKaw Valley State Bank and Trust Company, of Wamego, Kansas, theClaxton Bank, the
Return on Assets (ROA) 1.88% 0.14%
Return on Equity (ROE) 17.46% 1.06%
Net Interest Margin (NIM) 3.40% 4.12%
Yield on Earning Assets 5.39% 6.20%
Cost of Funds 2.24% 2.24%

Asset quality

MetricKaw Valley State Bank and Trust Company, of Wamego, Kansas, theClaxton Bank, the
Texas Ratio 0.48% 2.21%
Non-Performing Loan Ratio 0.03% 0.39%
Non-Performing Asset Ratio 0.02% 0.29%
Net Charge-Off Ratio -0.03% 0.00%
ACL / Loans 1.22% 1.44%

Balance sheet

MetricKaw Valley State Bank and Trust Company, of Wamego, Kansas, theClaxton Bank, the
Total Assets $295,001K $294,765K
Total Deposits $260,325K $251,139K
Total Loans $184,913K $212,844K
Total Equity $33,308K $35,192K
Net Income (quarter) $1,432K $93

Liquidity & funding

MetricKaw Valley State Bank and Trust Company, of Wamego, Kansas, theClaxton Bank, the
Loan-to-Deposit Ratio 71.03% 84.75%
Core Deposit Ratio 87.69% 96.10%
Uninsured Deposit Ratio

Identity

MetricKaw Valley State Bank and Trust Company, of Wamego, Kansas, theClaxton Bank, the
Headquarters City WAMEGO BELLVILLE
Headquarters State KS GA
Asset Tier Small Small
Charter Class 0 0
Regulator FED FDIC
Domestic Branches 3 4
Employees (FTE) 44 45
Established March 3, 1913, midnight Feb. 24, 1941, 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.

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