Ninnescah 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 Loan-to-deposit ratio: 2.49 percentage points higher than in Q1 2026, at 45.22%. Ninnescah Valley Bank ranks 86th of 182 Kansas banks on return on assets, in the upper half at 1.49% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Ninnescah Valley Bank reported 1.49% on return on assets in Q2 2026, 0.51 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.04% |
| Equity capital to assets | 8.87% |
| Tangible equity to tangible assets | 8.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.56% |
| Non-performing assets ratio | 1.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 15.08% |
| Allowance for credit losses to loans | 1.90% |
| Reserve coverage of non-performing loans | 74.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 17.34% |
| Net interest margin | 4.24% |
| Efficiency ratio | 58.67% |
| Yield on earning assets | 5.03% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.22% |
| Core deposits to total deposits | 95.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.88% |
| Securities to assets | 52.54% |
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 | 12.79% | 0.94% | 3.28% | 0.00% | 0.00% |
| Q4 2023 | 13.15% | 0.84% | 3.55% | 0.00% | -0.08% |
| Q1 2024 | 12.63% | 1.08% | 3.76% | 0.00% | 0.00% |
| Q2 2024 | 13.01% | 1.08% | 3.61% | 0.00% | 0.00% |
| Q3 2024 | 12.85% | 0.82% | 3.57% | 2.47% | 0.00% |
| Q4 2024 | 12.20% | 0.75% | 3.83% | 2.42% | 0.56% |
| Q1 2025 | 12.11% | 0.87% | 3.97% | 3.31% | 0.00% |
| Q2 2025 | 12.44% | 1.38% | 4.06% | 3.10% | 0.00% |
| Q3 2025 | 12.51% | 0.64% | 4.11% | 3.13% | 0.00% |
| Q4 2025 | 12.54% | 1.00% | 4.03% | 3.14% | 0.00% |
| Q1 2026 | 11.94% | 1.02% | 4.05% | 2.75% | 0.07% |
| Q2 2026 | 12.04% | 1.49% | 4.24% | 2.56% | 0.00% |
Ninnescah Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ninnescah 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 Ninnescah Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4652) · FFIEC NIC profile (RSSD 789051)