Kaw Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Kaw Valley Bank is an FDIC-insured commercial bank headquartered in Topeka, KS, established in 1870 (FDIC certificate 9665), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $339.5M, up 9.1% from Q2 2025, the 62nd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.90% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9665
- Headquarters
- Topeka, KS
- Established
- 1870
- Total assets, Q2 2026
- $339.5M
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 11.90%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 101100142
- Holding company
- TOPEKA BANCORP, INC.
- Asset rank in state
- 62nd of 182 in Kansas
Kaw Valley Bank, based in Topeka, Kansas, reported $340 million in assets at June 30, 2026, up 9.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.81 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.3 million, 39% above the same quarter a year earlier. Over the same year, loans grew 13.6% and deposits grew 9.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Kaw Valley Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
Kaw Valley Bank ranks as the 62nd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $339.5M, loans fell 1.1% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.0% of total loans, ahead of 1-4 family residential loans at 24.2%. The FDIC Summary of Deposits lists 7 offices for it, in Topeka, KS. Judged on its Q2 2026 call report, Kaw Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1110 N Kansas Ave, Topeka, KS 66608
- County
- Shawnee
- Metro Area
- Topeka, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- July 22, 1870
- Former names
- The Kaw Valley State Bank and Trust Company (1968-2007)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $283.0M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $343.5M
- Average total loans
- $277.6M
- Average interest-bearing deposits
- $189.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9665
- Fed RSSD
- 485456
- Website
- www.kawvalleybank.com →
- Parent Holding Company
- TOPEKA BANCORP, INC. (RSSD 5110605)
- Ultimate Parent
- R. DEAN PHILLIPS BANK TRUST DATED 11-19-2004 (RSSD 5558681)
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, Kaw Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Kaw Valley Bank's total assets moved between a low of $306.3M (Q2 2024) and a high of $344.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$339.5M total assets against $311.3M; $297.7M total liabilities against $273.7M.
$277.1M net loans and leases against $243.8M; $283.0M total deposits against $258.8M.
$24.9M securities against $25.8M; $18.6M cash and balances due against $22.7M.
$5.1M total interest income against $4.5M; $1.3M total interest expense against $1.1M.
$3.9M net interest income against $3.4M.
$401K total noninterest income against $415K; $2.6M total noninterest expense against $2.6M.
$25K provision for credit losses against $0.
$1.3M net income against $920K.
1.49% return on assets against 1.18%; 4.81% net interest margin against 4.68%.
11.90% tier 1 leverage ratio against 11.76%.
Inside the full Kaw Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Kaw Valley Bank rankings
Its closest position to the top of a national ranking is 1,339 of 3,611, for ROA; its furthest is 3,309 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.18% (Q2 2025) to 1.52% (Q4 2025) and its net interest margin ran from 4.60% (Q1 2025) to 4.97% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.90% | 1.49% | 0.00% | 0.03% | 4.81% |
| Q1 2026 | 11.80% | 1.37% | 0.04% | 0.24% | 4.70% |
| Q4 2025 | 12.05% | 1.52% | 0.01% | 0.08% | 4.88% |
| Q3 2025 | 12.06% | 1.26% | 0.01% | 0.18% | 4.78% |
| Q2 2025 | 11.76% | 1.18% | 0.02% | 0.14% | 4.68% |
| Q1 2025 | 11.36% | 1.29% | 0.02% | 0.15% | 4.60% |
| Q4 2024 | 11.24% | 1.25% | 0.02% | 0.13% | 4.97% |
| Q3 2024 | 11.96% | 1.48% | 0.07% | 0.40% | 4.83% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Kaw Valley Bank (main office) | Topeka , KS | 66608 | $151.9M |
| 29th Street Branch | Topeka , KS | 66614 | $41.0M |
| Kaw Valley West Facility | Topeka , KS | 66604 | $36.6M |
| North Topeka Avenue Facility | Topeka , KS | 66608 | $29.2M |
| East Facility | Topeka , KS | 66607 | $13.9M |
| Kaw Valley Bank (main office) | Topeka , KS | 66611 | $9.1M |
| Brewster Place Branch | Topeka , KS | 66611 | $1.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 82 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 112 applications, 102 loans originated, $15.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.9M approved, $2.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Kaw Valley Bank
What are Kaw Valley Bank's total assets?
As of the Q2 2026 filing, Kaw Valley Bank reported total assets of $339.5 million in its FFIEC call report.
Where is Kaw Valley Bank headquartered?
It is headquartered in Topeka, KS, United States.
When was Kaw Valley Bank founded?
It was established in 1870, per the FDIC institution directory.
Is Kaw Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kaw Valley Bank?
Kaw Valley Bank's primary federal regulator is the FDIC.
How many branches does Kaw Valley Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kaw Valley Bank's Texas Ratio?
Its Texas Ratio is 0.03% 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.
What was Kaw Valley Bank previously called?
The charter now named Kaw Valley Bank has also operated as The Kaw Valley State Bank and Trust Company (1968-2007), per FDIC structure-change records.
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