Cottonwood Valley Bank (FDIC certificate #17160) is based in Cedar Point, Kansas. Its Q2 2026 call report shows $38.1M in total assets and $32.7M in deposits and 4 offices.
Cottonwood Valley Bank has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 14th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (57/100, 0.93%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (88 → 90), mostly because the loan quality component improved by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 81 |
| Q4 2024 | 79 |
| Q1 2025 | 86 |
| Q2 2025 | 88 |
| Q3 2025 | 91 |
| Q4 2025 | 85 |
| Q1 2026 | 91 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.21% |
| Q3 2024 | 13.17% |
| Q4 2024 | 12.97% |
| Q1 2025 | 14.37% |
| Q2 2025 | 14.18% |
| Q3 2025 | 14.10% |
| Q4 2025 | 13.95% |
| Q1 2026 | 14.62% |
| Q2 2026 | 14.39% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.90% |
| Q3 2025 | 1.18% |
| Q4 2025 | 0.56% |
| Q1 2026 | 1.06% |
| Q2 2026 | 0.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $38.1M | 14.39% | 0.00% | 0.93% | 17.9% |
| Q1 2026 | 91 | $38.3M | 14.62% | 0.00% | 1.06% | 17.2% |
| Q4 2025 | 85 | $37.1M | 13.95% | 0.00% | 0.56% | 18.9% |
| Q3 2025 | 91 | $38.7M | 14.10% | 0.00% | 1.18% | 20.1% |
| Q2 2025 | 88 | $36.6M | 14.18% | 0.13% | 0.90% | 21.2% |
| Q1 2025 | 86 | $37.0M | 14.37% | 0.25% | 0.67% | 10.3% |
| Q4 2024 | 79 | $37.5M | 12.97% | 0.00% | 0.16% | 11.7% |
| Q3 2024 | 81 | $39.7M | 13.17% | 0.00% | 0.33% | 10.6% |
| Q2 2024 | 85 | $37.4M | 14.21% | 0.00% | 0.50% | 11.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of Canton, Canton, KansasBank Canton, KS | 91 out of 100, Very strong | $36.6M | 22.1% | 0.00% | vs |
| The Marion National BankBank Marion, KS | 85 out of 100, Very strong | $35.4M | 13.0% | 0.29% | vs |
| Ventura National Bank & TrustBank Harveyville, KS | 72 out of 100, Strong | $41.7M | 17.9% | 0.09% | vs |
| Marquette Farmers State Bank of MarquetteBank Marquette, KS | 65 out of 100, Moderate | $33.6M | 17.5% | 5.22% | vs |
| Farmers State BankBank Phillipsburg, KS | 69 out of 100, Moderate | $42.8M | 11.7% | 1.32% | vs |
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Cottonwood Valley Bank?
Yes. Cottonwood Valley Bank is an FDIC-insured institution (FDIC certificate #17160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.7% of deposits ($3.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Cottonwood Valley Bank lists 3 offices in 3 cities. Most locations:
- Cottonwood Falls, KS (1)
- Florence, KS (1)
- Lincolnville, KS (1)
Identity & history
Profile
- Legal name
- Cottonwood Valley Bank
- Former names
- The Cedar Point State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 17160
- RSSD ID
- 921655
- Primary regulator
- FED
- Holding company
- Cedar Point Bancshares Inc
- Established
- January 25, 1914
- Headquarters
- 106 Main St, Cedar Point, KS 66843
- Website
- www.cottonwoodvalleybank.com
- Employees
- 6
Quick answers
Cottonwood Valley Bank: common questions
Is Cottonwood Valley Bank FDIC insured?
Yes. Cottonwood Valley Bank is an FDIC-insured institution (FDIC certificate #17160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cottonwood Valley Bank's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cottonwood Valley Bank ever failed?
There is no failure record for FDIC certificate #17160 in the FDIC failed bank list.
How many branches does Cottonwood Valley Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cedar Point
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Marion National BankBank Marion, KS | 85 out of 100, Very strong | $35.4M | 13.0% | 0.29% | vs |
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |
| Emprise BankBank Wichita, KS | 66 out of 100, Moderate | $2.8B | 7.7% | 0.37% | vs |
| Community National Bank & TrustBank Chanute, KS | 65 out of 100, Moderate | $2.5B | 9.0% | 0.80% | vs |