TellerScore

Kaw Valley State Bank and Trust Company (FDIC certificate #17832) is based in Wamego, Kansas. Its Q2 2026 call report shows $295.8M in total assets and $250.6M in deposits and 3 offices.

Kaw Valley State Bank and Trust Company has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 30th. Earnings contributes the most (100/100, 2.17%); capital cushion contributes the least (67/100, 11.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.73%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings100/100
Return on assets (annualized): 2.17%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 76.9% · 27.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.45%

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 6 points (79 → 85), mostly because the earnings component improved by 25 points.

TellerScore
798285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202482
Q1 202580
Q2 202579
Q3 202579
Q4 202582
Q1 202683
Q2 202685
Tier 1 leverage ratio
5.00%8.36%11.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.69%
Q3 202411.67%
Q4 202411.47%
Q1 202511.49%
Q2 202511.42%
Q3 202510.68%
Q4 202511.04%
Q1 202611.28%
Q2 202611.73%
Noncurrent loans
0.04%0.17%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.13%
Q4 20240.06%
Q1 20250.23%
Q2 20250.30%
Q3 20250.08%
Q4 20250.04%
Q1 20260.09%
Q2 20260.08%
Return on assets
1.34%1.75%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.42%
Q4 20241.37%
Q1 20251.34%
Q2 20251.38%
Q3 20251.44%
Q4 20251.66%
Q1 20261.91%
Q2 20262.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$295.8M11.73%0.08%2.17%76.9%
Q1 202683$295.0M11.28%0.09%1.91%70.2%
Q4 202582$305.9M11.04%0.04%1.66%66.5%
Q3 202579$293.4M10.68%0.08%1.44%63.0%
Q2 202579$293.2M11.42%0.30%1.38%62.0%
Q1 202580$270.4M11.49%0.23%1.34%64.4%
Q4 202482$266.1M11.47%0.06%1.37%61.7%
Q3 202483$256.5M11.67%0.13%1.42%60.1%
Q2 202483$247.7M11.69%0.11%1.41%63.4%

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 ratio11.73%
61st
Total risk-based capital0.00%
24th
Problem loans0.08%
75th
Net charge-offs-0.02%
92nd
Return on assets2.17%
90th
Net interest margin3.66%
35th
Efficiency ratio46.4%
89th
Loans to deposits76.9%
56th
Uninsured deposits27.0%
38th
Loan-loss reserves1.18%
48th
Texas ratio0.4%
78th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
First Kansas BankBank Hoisington, KS74 out of 100, Strong$294.4M8.3%0.00%vs
Grant County BankBank Ulysses, KS69 out of 100, Moderate$298.3M13.3%2.07%vs
SJN Bank of KansasBank Saint John, KS37 out of 100, Low$302.9M9.2%6.97%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
First Heritage BankBank Centralia, KS73 out of 100, Strong$303.4M9.0%0.00%vs
Fusion BankBank Larned, KS88 out of 100, Very strong$281.0M12.8%0.47%vs

Deposit insurance

Is my money safe at Kaw Valley State Bank and Trust Company?

Yes. Kaw Valley State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #17832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($67.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.73%, 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

3 locations

Branches

Kaw Valley State Bank and Trust Company lists 3 offices in 3 cities. Most locations:

  • Clifton, KS (1)
  • Saint Marys, KS (1)
  • Wamego, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kaw Valley State Bank and Trust Company reported 174 home-loan applications under HMDA (LEI 254900N10G1D8QK8M334): 166 originated ($30,920,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, 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 State Bank and Trust Company
Former names
The Kaw Valley State and Savings Bank; Kaw Valley State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
17832
RSSD ID
368951
Primary regulator
FED
Holding company
Kaw Valley Bancshares Inc
Established
March 3, 1913
Headquarters
1015 Kaw Valley Park Cir, Wamego, KS 66547
Website
kvsb.com
Employees
45

Quick answers

Kaw Valley State Bank and Trust Company: common questions

Is Kaw Valley State Bank and Trust Company FDIC insured?

Yes. Kaw Valley State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #17832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kaw Valley State Bank and Trust Company's TellerScore?

85 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 Kaw Valley State Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #17832 in the FDIC failed bank list.

How many branches does Kaw Valley State Bank and Trust Company have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wamego

InstitutionScoreAssetsCapitalProblem loansCompare
Union State BankBank Olsburg, KS89 out of 100, Very strong$44.3M12.7%0.00%vs
The Stockgrowers State BankBank Maple Hill, KS83 out of 100, Strong$128.3M11.6%0.13%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
Community First National BankBank Manhattan, KS77 out of 100, Strong$374.7M10.9%0.20%vs