Cottonwood Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Efficiency ratio climbed 9.05 percentage points in Q2 2026, from 59.09% to 68.14%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Cottonwood Valley Bank is 16th from the bottom among 182 Kansas banks, 0.76% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Cottonwood Valley Bank sits 0.22 points lower, at 0.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.39% |
| Equity capital to assets | 11.73% |
| Tangible equity to tangible assets | 11.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.33% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 4.57% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 6.90% |
| Net interest margin | 3.08% |
| Efficiency ratio | 68.14% |
| Yield on earning assets | 3.85% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 18.74% |
| Core deposits to total deposits | 95.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.85% |
| Securities to assets | 59.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 0.39% | 2.17% | 0.00% | -0.32% |
| Q4 2023 | 13.62% | -0.93% | 1.89% | 0.00% | -0.46% |
| Q1 2024 | 13.27% | 0.33% | 2.15% | 0.00% | -0.30% |
| Q2 2024 | 14.21% | 0.72% | 2.24% | 0.00% | -0.50% |
| Q3 2024 | 13.17% | -0.02% | 2.13% | 0.00% | -0.30% |
| Q4 2024 | 12.97% | -0.36% | 2.39% | 0.00% | -0.31% |
| Q1 2025 | 14.37% | 0.67% | 2.23% | 0.00% | -0.21% |
| Q2 2025 | 14.18% | 1.09% | 2.92% | 0.00% | -0.18% |
| Q3 2025 | 14.10% | 1.64% | 2.97% | 0.00% | -0.11% |
| Q4 2025 | 13.95% | -1.22% | 2.59% | 0.00% | -0.29% |
| Q1 2026 | 14.62% | 1.04% | 2.95% | 0.00% | 0.00% |
| Q2 2026 | 14.39% | 0.76% | 3.08% | 0.00% | -0.33% |
Cottonwood Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cottonwood Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cottonwood Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17160) · FFIEC NIC profile (RSSD 921655)