The Kaw Valley State Bank and Trust Company, of Wamego, Kansas: 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 Q3 2026 was in Reserve coverage of non-performing loans: 353.05 percentage points higher than in Q2 2026, at 5246.67%. Among 182 Kansas banks, The Kaw Valley State Bank and Trust Company, of Wamego, Kansas sits 17th from the top on return on assets, 2.22% as of Q3 2026. The Kaw Valley State Bank and Trust Company, of Wamego, Kansas's return on assets of 2.22% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.97 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 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 | 11.35% |
| Tangible equity to tangible assets | 11.35% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.62% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 5246.67% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.22% |
| Return on equity | 19.59% |
| Net interest margin | 3.97% |
| Efficiency ratio | 46.85% |
| Yield on earning assets | 5.86% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 76.61% |
| Core deposits to total deposits | 85.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 21.42% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 11.82% | 0.78% | 2.73% | 0.06% | -0.01% |
| Q1 2024 | 11.60% | 1.41% | 2.81% | 0.06% | 0.01% |
| Q2 2024 | 11.69% | 1.36% | 2.83% | 0.05% | 0.03% |
| Q3 2024 | 11.67% | 1.42% | 2.93% | 0.07% | 0.00% |
| Q4 2024 | 11.47% | 1.22% | 2.98% | 0.05% | 0.02% |
| Q1 2025 | 11.49% | 1.33% | 2.99% | 0.04% | 0.01% |
| Q2 2025 | 11.42% | 1.47% | 3.15% | 0.05% | 0.03% |
| Q3 2025 | 10.68% | 1.51% | 3.15% | 0.05% | 0.02% |
| Q4 2025 | 11.04% | 2.31% | 3.63% | 0.04% | -0.02% |
| Q1 2026 | 11.28% | 1.88% | 3.40% | 0.03% | -0.03% |
| Q2 2026 | 11.73% | 2.45% | 3.89% | 0.02% | -0.01% |
| Q3 2026 | 11.90% | 2.22% | 3.97% | 0.02% | -0.00% |
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Kaw Valley State Bank and Trust Company, of Wamego, Kansas, 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 The Kaw Valley State Bank and Trust Company, of Wamego, Kansas profile, peer group comparison, or how this data updates.
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