Kaw 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 475.64 percentage points higher than in Q1 2026, at 2252.20%. Kaw Valley Bank ranks 89th of 182 Kansas banks on return on assets, in the upper half at 1.49% (Q2 2026). Kaw Valley Bank reported 1.49% on return on assets for Q2 2026, 0.23 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.90% |
| Equity capital to assets | 12.33% |
| Tangible equity to tangible assets | 12.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.36% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 2252.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 12.39% |
| Net interest margin | 4.81% |
| Efficiency ratio | 60.15% |
| Yield on earning assets | 6.37% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.19% |
| Core deposits to total deposits | 86.81% |
| Brokered deposits to total deposits | 1.11% |
| Deposits to assets | 83.35% |
| Securities to assets | 7.33% |
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 | 10.85% | 1.07% | 4.12% | 0.43% | -0.15% |
| Q4 2023 | 10.86% | 1.72% | 4.30% | 0.03% | 0.01% |
| Q1 2024 | 11.14% | 1.12% | 4.32% | 0.02% | 0.06% |
| Q2 2024 | 11.61% | 1.37% | 4.67% | 0.02% | 0.10% |
| Q3 2024 | 11.96% | 1.48% | 4.83% | 0.01% | 0.01% |
| Q4 2024 | 11.24% | 1.25% | 4.97% | 0.00% | 0.05% |
| Q1 2025 | 11.36% | 1.29% | 4.60% | 0.04% | -0.00% |
| Q2 2025 | 11.76% | 1.18% | 4.68% | 0.04% | 0.00% |
| Q3 2025 | 12.06% | 1.26% | 4.78% | 0.05% | 0.01% |
| Q4 2025 | 12.05% | 1.52% | 4.88% | 0.08% | 0.05% |
| Q1 2026 | 11.80% | 1.37% | 4.70% | 0.07% | -0.01% |
| Q2 2026 | 11.90% | 1.49% | 4.81% | 0.06% | 0.00% |
Kaw Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kaw 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 Kaw Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9665) · FFIEC NIC profile (RSSD 485456)