The Kaw Valley State Bank and Trust Company, of Wamego, Kansas
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas is an FDIC-insured commercial bank headquartered in Wamego, KS, supervised by the Federal Reserve, with $295.8M in total assets at Q2 2026, up 0.9% from Q2 2025, the 72nd largest of 182 banks headquartered in Kansas. It was established in 1913 and holds FDIC certificate 17832. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as KVSB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17832
- Headquarters
- Wamego, KS
- Established
- 1913
- Total assets, Q2 2026
- $295.8M
- Assets vs Q2 2025
- +0.9%
- Tier 1 leverage ratio, Q2 2026
- 11.73%
- Domestic offices
- 3 · The Kaw Valley State Bank and Trust Company, of Wamego, Kansas branches FDIC institution directory, current count
- Routing number
- 101111380
- Safety and soundness
- Is The Kaw Valley State Bank and Trust Company, of Wamego, Kansas safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Kaw Valley State Bank and Trust Company, of Wamego, Kansas Q3 2026 call report, filed October 7, 2026 (preliminary)
- Holding company
- KAW VALLEY BANCSHARES, INC.
- Asset rank in state
- 72nd of 182 in Kansas
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas is one of the more profitable banks of its size. It reported $296 million in assets at June 30, 2026. It earns about $2.45 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.8 million, 78% above the same quarter a year earlier. Over the same year, loans grew 25.4% and deposits grew 1.3%.
As of June 30, 2026, The Kaw Valley State Bank and Trust Company, of Wamego, Kansas reported a return on assets of 2.45%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas ranks as the 72nd 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 rose 0.3% to $295.8M, loans rose 5.5% and deposits fell 3.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.5% of total loans, followed by farmland and other real estate loans at 19.2%. Its 3 offices in the FDIC Summary of Deposits are in Wamego, KS, Saint Marys, KS and Clifton, KS; its Wamego office books 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Kaw Valley State Bank and Trust Company, of Wamego, Kansas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1015 Kaw Valley Park Cir, Wamego, KS 66547
- County
- Pottawatomie
- Metro Area
- Manhattan, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 3, 1913
- Former names
- Kaw Valley State Bank and Trust Company (1973); Kaw Valley State Bank (1963-1973)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $250.6M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $294.8M
- Average total loans
- $189.6M
- Average interest-bearing deposits
- $204.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 23, 1958
- FDIC Cert
- 17832
- Fed RSSD
- 368951
- Website
- kvsb.com →
- Parent Holding Company
- KAW VALLEY BANCSHARES, INC. (RSSD 1357103)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, The Kaw Valley State Bank and Trust Company, of Wamego, Kansas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas's total assets moved between a low of $246.3M (Q3 2023) and a high of $305.9M (Q4 2025) 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
$295.8M total assets against $293.2M; $262.0M total liabilities against $263.7M.
$192.7M net loans and leases against $153.3M; $250.6M total deposits against $247.4M.
$73.9M securities against $98.8M; $24.6M cash and balances due against $36.5M.
$4.1M total interest income against $3.5M; $1.3M total interest expense against $1.3M.
$2.8M net interest income against $2.1M.
$402K total noninterest income against $391K; $1.4M total noninterest expense against $1.5M.
$45K provision for credit losses against $0.
$1.8M net income against $1.0M.
2.45% return on assets against 1.47%; 3.89% net interest margin against 3.15%.
11.73% tier 1 leverage ratio against 11.42%.
Inside the full The Kaw Valley State Bank and Trust Company, of Wamego, Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Kaw Valley State Bank and Trust Company, of Wamego, Kansas rankings
Its closest position to the top of a national ranking is 176 of 3,611, for ROA; its furthest is 2,994 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q4 2024) to 2.45% (Q2 2026) and its net interest margin ran from 2.93% (Q3 2024) to 3.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 2.45% | 0.08% | 0.45% | 3.89% |
| Q1 2026 | 11.28% | 1.88% | 0.09% | 0.48% | 3.40% |
| Q4 2025 | 11.04% | 2.31% | 0.04% | 0.20% | 3.63% |
| Q3 2025 | 10.68% | 1.51% | 0.08% | 0.39% | 3.15% |
| Q2 2025 | 11.42% | 1.47% | 0.30% | 1.49% | 3.15% |
| Q1 2025 | 11.49% | 1.33% | 0.23% | 1.12% | 2.99% |
| Q4 2024 | 11.47% | 1.22% | 0.06% | 0.28% | 2.98% |
| Q3 2024 | 11.67% | 1.42% | 0.13% | 0.58% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 State Bank and Trust Company | Wamego , KS | 66547 | $176.0M |
| St. Marys Branch | Saint Marys , KS | 66536 | $47.3M |
| Clifton Branch | Clifton , KS | 66937 | $27.3M |
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 |
|---|---|---|---|
| September 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2008 | Structure Change | Acquired The First National Bank of Clifton 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 92 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 174 applications, 166 loans originated, $30.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $192K approved, $192K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 The Kaw Valley State Bank and Trust Company, of Wamego, Kansas
What are The Kaw Valley State Bank and Trust Company, of Wamego, Kansas's total assets?
As of the Q2 2026 filing, The Kaw Valley State Bank and Trust Company, of Wamego, Kansas reported total assets of $295.8 million in its FFIEC call report.
Where is The Kaw Valley State Bank and Trust Company, of Wamego, Kansas headquartered?
It is headquartered in Wamego, KS, United States.
When was The Kaw Valley State Bank and Trust Company, of Wamego, Kansas founded?
It was established in 1913, per the FDIC institution directory.
Is The Kaw Valley State Bank and Trust Company, of Wamego, Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Kaw Valley State Bank and Trust Company, of Wamego, Kansas?
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas's primary federal regulator is the Federal Reserve.
How many branches does The Kaw Valley State Bank and Trust Company, of Wamego, Kansas operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Kaw Valley State Bank and Trust Company, of Wamego, Kansas's Texas Ratio?
Its Texas Ratio is 0.45% 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 The Kaw Valley State Bank and Trust Company, of Wamego, Kansas previously called?
The charter now named The Kaw Valley State Bank and Trust Company, of Wamego, Kansas has also operated as Kaw Valley State Bank and Trust Company (1973), Kaw Valley State Bank (1963-1973), per FDIC structure-change records.
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