TellerScore

Headquartered in Topeka, Kansas, Kaw Valley Bank is a state-chartered bank with $339.5M in total assets and $283.0M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1870.

Based on its Q2 2026 filing, Kaw Valley Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 55th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (56/100; 98% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.90%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 97.9% · 20.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.03%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
787980Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202478
Q1 202578
Q2 202579
Q3 202580
Q4 202580
Q1 202678
Q2 202680
Tier 1 leverage ratio
5.00%8.53%12.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.61%
Q3 202411.96%
Q4 202411.24%
Q1 202511.36%
Q2 202511.76%
Q3 202512.06%
Q4 202512.05%
Q1 202611.80%
Q2 202611.90%
Noncurrent loans
0.00%0.04%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.07%
Q4 20240.02%
Q1 20250.02%
Q2 20250.02%
Q3 20250.01%
Q4 20250.01%
Q1 20260.04%
Q2 20260.00%
Return on assets
1.23%1.34%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.33%
Q4 20241.31%
Q1 20251.29%
Q2 20251.23%
Q3 20251.24%
Q4 20251.31%
Q1 20261.38%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$339.5M11.90%0.00%1.45%97.9%
Q1 202678$344.5M11.80%0.04%1.38%97.0%
Q4 202580$322.3M12.05%0.01%1.31%93.4%
Q3 202580$310.3M12.06%0.01%1.24%95.7%
Q2 202579$311.3M11.76%0.02%1.23%94.2%
Q1 202578$319.5M11.36%0.02%1.29%90.5%
Q4 202478$307.1M11.24%0.02%1.31%93.8%
Q3 202479$310.5M11.96%0.07%1.33%96.1%
Q2 202478$306.3M11.61%0.02%1.25%95.4%

2,650 peers · $100 million – $1 billion

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).

Capital ratio11.90%
64th
Total risk-based capital0.00%
24th
Problem loans0.00%
86th
Net charge-offs-0.01%
86th
Return on assets1.45%
62nd
Net interest margin4.88%
90th
Efficiency ratio61.4%
53rd
Loans to deposits97.9%
13th
Uninsured deposits20.2%
64th
Loan-loss reserves1.28%
59th
Texas ratio0.0%
88th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Gridley, KS81 out of 100, Strong$336.2M12.1%0.58%vs
Goppert State Service BankBank Garnett, KS57 out of 100, Moderate$345.3M9.3%1.74%vs
Stryv BankBank Wichita, KS62 out of 100, Moderate$333.3M8.9%0.00%vs
Heritage BankBank Topeka, KS64 out of 100, Moderate$324.9M9.9%1.28%vs
KCB BankBank Lakin, KS73 out of 100, Strong$322.3M12.6%1.15%vs
First National Bank and TrustBank Phillipsburg, KS72 out of 100, Strong$322.2M14.7%1.87%vs

Deposit insurance

Is my money safe at Kaw Valley Bank?

Yes. Kaw Valley Bank is an FDIC-insured institution (FDIC certificate #9665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.2% of deposits ($57.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.90%, 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%).

Check how much of your own balance is covered

7 locations

Branches

Kaw Valley Bank lists 7 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kaw Valley Bank reported 111 home-loan applications under HMDA (LEI 549300Z4DDTZBW3TC153): 102 originated ($15,600,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kaw Valley Bank
Former names
The Kaw Valley State Bank and Trust Company; The Kaw Valley State Bank; The Kaw Valley Citizens State Bank
Type
State-chartered bank
FDIC certificate #
9665
RSSD ID
485456
Primary regulator
FDIC
Holding company
R Dean Phillips Bk Tr Dated 11-19-2004
Established
July 22, 1870
Headquarters
1110 N Kansas Ave, Topeka, KS 66608
Employees
75

Quick answers

Kaw Valley Bank: common questions

Is Kaw Valley Bank FDIC insured?

Yes. Kaw Valley Bank is an FDIC-insured institution (FDIC certificate #9665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kaw Valley Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Kaw Valley Bank ever failed?

There is no failure record for FDIC certificate #9665 in the FDIC failed bank list.

How many branches does Kaw Valley Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Topeka

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Topeka Police Credit UnionCredit union Topeka, KS88 out of 100, Very strong$6.3M15.7%0.05%vs
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
1st Kansas Credit UnionCredit union Topeka, KS86 out of 100, Very strong$12.2M19.9%0.41%vs
Community BankBank Topeka, KS83 out of 100, Strong$188.8M11.5%0.22%vs