Ninnescah Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Ninnescah Valley Bank is an FDIC-insured commercial bank headquartered in Cunningham, KS, established in 1925 (FDIC certificate 4652), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $44.6M, up 5.6% from Q2 2025, the 167th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.04% 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
- 4652
- Headquarters
- Cunningham, KS
- Established
- 1925
- Total assets, Q2 2026
- $44.6M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 12.04%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101114277
- Latest call report
- Q2 2026, FFIEC 051 · Ninnescah Valley Bank call report
- Asset rank in state
- 167th of 182 in Kansas
Ninnescah Valley Bank, based in Cunningham, Kansas, reported $45 million in assets at June 30, 2026, up 5.6% from a year earlier. It carries problem assets equal to 15.1% of the capital and reserves that would absorb them, 10.9 times the median of 1.4% for the 583 banks with less than $100 million in assets. On the other hand, it returns 17.3% a year on shareholders' equity, about double the median of 8.6% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.54% of loans, down from 4.63% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.6 million equal 29% of Tier 1 capital, down from 44% a year earlier.
As of June 30, 2026, Ninnescah Valley Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 3.54% and a Texas ratio of 15.08%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Ninnescah Valley Bank is the 167th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $44.6M, loans rose 6.9% and deposits rose 1.0%. Agricultural production loans made up 28.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 19.7%. The FDIC Summary of Deposits lists a single office for it, in Cunningham, KS. Judged on its Q2 2026 call report, Ninnescah Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E 1st St, Cunningham, KS 67035
- County
- Kingman
- 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
- —
- Call Report form
- FFIEC 051
- Established
- July 23, 1925
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $40.5M
- Allowance for credit losses
- $349K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $45.6M
- Average total loans
- $18.0M
- Average interest-bearing deposits
- $23.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4652
- Fed RSSD
- 789051
- Website
- http://www.nvalleybank.com →
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, Ninnescah Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ninnescah Valley Bank's total assets moved between a low of $37.6M (Q3 2023) and a high of $44.6M (Q2 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
$44.6M total assets against $42.2M; $40.6M total liabilities against $39.2M.
$18.0M net loans and leases against $17.3M; $40.5M total deposits against $39.0M.
$23.4M securities against $21.1M; $2.3M cash and balances due against $2.9M.
$534K total interest income against $516K; $88K total interest expense against $101K.
$446K net interest income against $415K.
$13K total noninterest income against $17K; $283K total noninterest expense against $272K.
-$1K provision for credit losses against $10K.
$170K net income against $145K.
1.49% return on assets against 1.38%; 4.24% net interest margin against 4.06%.
12.04% tier 1 leverage ratio against 12.44%.
Inside the full Ninnescah 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Ninnescah Valley Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q3 2025) to 1.49% (Q2 2026) and its net interest margin ran from 3.57% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.04% | 1.49% | 3.54% | 15.08% | 4.24% |
| Q1 2026 | 11.94% | 1.02% | 3.65% | 14.78% | 4.05% |
| Q4 2025 | 12.54% | 1.00% | 4.13% | 16.87% | 4.03% |
| Q3 2025 | 12.51% | 0.64% | 4.16% | 18.29% | 4.11% |
| Q2 2025 | 12.44% | 1.38% | 4.63% | 24.50% | 4.06% |
| Q1 2025 | 12.11% | 0.87% | 4.61% | 23.48% | 3.97% |
| Q4 2024 | 12.20% | 0.75% | 2.42% | 13.31% | 3.83% |
| Q3 2024 | 12.85% | 0.82% | 2.47% | 12.03% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Ninnescah Valley Bank (main office) | Cunningham , KS | 67035 | $40.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 201 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $228K approved, $228K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Ninnescah Valley Bank
What are Ninnescah Valley Bank's total assets?
As of the Q2 2026 filing, Ninnescah Valley Bank reported total assets of $44.6 million in its FFIEC call report.
Where is Ninnescah Valley Bank headquartered?
It is headquartered in Cunningham, KS, United States.
When was Ninnescah Valley Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Ninnescah Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ninnescah Valley Bank?
Ninnescah Valley Bank's primary federal regulator is the FDIC.
How many branches does Ninnescah Valley Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ninnescah Valley Bank's Texas Ratio?
Its Texas Ratio is 15.08% 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.
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