Cottonwood Valley Bank
BankRegReports is independent of Cottonwood Valley Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Cottonwood Valley Bank is an FDIC-insured commercial bank headquartered in Cottonwood Falls, KS, established in 1914 (FDIC certificate 17160), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $38.1M, up 3.9% from Q2 2025, the 171st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17160
- Headquarters
- Cottonwood Falls, KS
- Established
- 1914
- Total assets, Q2 2026
- $38.1M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 14.39%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101107747
- Latest call report
- Q2 2026, FFIEC 051 · Cottonwood Valley Bank call report
- Holding company
- CEDAR POINT BANCSHARES, INC.
- Asset rank in state
- 171st of 182 in Kansas
Cottonwood Valley Bank, based in Cottonwood Falls, Kansas, reported $38 million in assets at June 30, 2026, up 3.9% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also shrank its loan book 13.2% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter slipped 29% from a year earlier, to $75,000. Over the same year, loans shrank 13.2% and deposits grew 2.2%. Its margin is thin by comparison: it keeps 3.08 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Cottonwood Valley Bank reported a return on assets of 0.76%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Cottonwood Valley Bank is the 171st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $38.1M, loans rose 2.6% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by other consumer loans, at 37.9% of total loans, followed by commercial and industrial loans at 15.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in KS; its Cottonwood Falls office books 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cottonwood Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 Main St, Cottonwood Falls, KS 66843
- County
- Chase
- Metro Area
- Emporia, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 25, 1914
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $32.7M
- Allowance for credit losses
- $280K
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $39.4M
- Average total loans
- $6.1M
- Average interest-bearing deposits
- $21.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 1952
- FDIC Cert
- 17160
- Fed RSSD
- 921655
- Website
- www.cottonwoodvalleybank.com →
- Parent Holding Company
- CEDAR POINT BANCSHARES, INC. (RSSD 1060690)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cottonwood Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cottonwood Valley Bank's total assets ranged from $36.6M (Q2 2025) to $42.4M (Q4 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$38.1M total assets against $36.6M; $33.6M total liabilities against $32.9M.
$5.8M net loans and leases against $6.8M; $32.7M total deposits against $32.0M.
$22.5M securities against $22.9M; $8.1M cash and balances due against $5.4M.
$343K total interest income against $312K; $73K total interest expense against $65K.
$270K net interest income against $247K.
$22K total noninterest income against $29K; $216K total noninterest expense against $170K.
No provision recorded in the last 12 quarters.
$75K net income against $105K.
0.76% return on assets against 1.09%; 3.08% net interest margin against 2.92%.
14.39% tier 1 leverage ratio against 14.18%.
Inside the full Cottonwood Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCottonwood Valley Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.22% (Q4 2025) to 1.64% (Q3 2025) and its net interest margin ran from 2.13% (Q3 2024) to 3.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.39% | 0.76% | 0.00% | 0.00% | 3.08% |
| Q1 2026 | 14.62% | 1.04% | 0.00% | 0.00% | 2.95% |
| Q4 2025 | 13.95% | -1.22% | 0.00% | 0.00% | 2.59% |
| Q3 2025 | 14.10% | 1.64% | 0.00% | 0.00% | 2.97% |
| Q2 2025 | 14.18% | 1.09% | 0.13% | 0.22% | 2.92% |
| Q1 2025 | 14.37% | 0.67% | 0.25% | 0.25% | 2.23% |
| Q4 2024 | 12.97% | -0.36% | 0.00% | 0.00% | 2.39% |
| Q3 2024 | 13.17% | -0.02% | 0.00% | 0.00% | 2.13% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 200 Broadway Branch 001 | Cottonwood Falls , KS | 66845 | $14.4M |
| Lincolnville Branch | Lincolnville , KS | 66858 | $10.0M |
| Florence Branch | Florence , KS | 66851 | $8.3M |
| Cottonwood Valley Bank (main office) | Cedar Point , KS | 66843 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 24, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2012 | Structure Change | Acquired Pilsen State Bank, Lincolnville, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1996 | Structure Change | Acquired The Florence State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1992 | Structure Change | Acquired Chase County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 209 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $259K approved, $259K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Cottonwood Valley Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Cottonwood Valley Bank
What are Cottonwood Valley Bank's total assets?
As of the Q2 2026 filing, Cottonwood Valley Bank reported total assets of $38.1 million in its FFIEC call report.
Where is Cottonwood Valley Bank headquartered?
It is headquartered in Cottonwood Falls, KS, United States.
When was Cottonwood Valley Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Cottonwood Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cottonwood Valley Bank?
Cottonwood Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does Cottonwood Valley Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cottonwood Valley Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Cottonwood Valley Bank.
Get an email when Cottonwood Valley Bank files its next call report, and benchmark it against any peer you choose.
Unlock Cottonwood Valley Bank, freeFree account