Headquartered in Cunningham, Kansas, Ninnescah Valley Bank is a state-chartered bank with $44.6M in total assets and $40.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1925.
Ninnescah Valley Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 171st. Funding & liquidity contributes the most (93/100, 44% loans-to-deposits, 22% uninsured); loan quality contributes the least (0/100, 3.54%).
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 3 points (54 → 57), mostly because the problem-loan coverage component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 63 |
| Q4 2024 | 59 |
| Q1 2025 | 52 |
| Q2 2025 | 54 |
| Q3 2025 | 55 |
| Q4 2025 | 55 |
| Q1 2026 | 54 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.01% |
| Q3 2024 | 12.85% |
| Q4 2024 | 12.20% |
| Q1 2025 | 12.11% |
| Q2 2025 | 12.44% |
| Q3 2025 | 12.51% |
| Q4 2025 | 12.54% |
| Q1 2026 | 11.94% |
| Q2 2026 | 12.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 2.47% |
| Q4 2024 | 2.42% |
| Q1 2025 | 4.61% |
| Q2 2025 | 4.63% |
| Q3 2025 | 4.16% |
| Q4 2025 | 4.13% |
| Q1 2026 | 3.65% |
| Q2 2026 | 3.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.12% |
| Q3 2025 | 0.96% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $44.6M | 12.04% | 3.54% | 1.32% | 44.4% |
| Q1 2026 | 54 | $44.1M | 11.94% | 3.65% | 1.08% | 41.9% |
| Q4 2025 | 55 | $40.5M | 12.54% | 4.13% | 0.97% | 44.9% |
| Q3 2025 | 55 | $42.3M | 12.51% | 4.16% | 0.96% | 45.1% |
| Q2 2025 | 54 | $42.2M | 12.44% | 4.63% | 1.12% | 44.3% |
| Q1 2025 | 52 | $42.9M | 12.11% | 4.61% | 0.87% | 40.8% |
| Q4 2024 | 59 | $41.0M | 12.20% | 2.42% | 0.93% | 41.5% |
| Q3 2024 | 63 | $39.9M | 12.85% | 2.47% | 0.98% | 47.9% |
| Q2 2024 | 86 | $39.1M | 13.01% | 0.00% | 1.07% | 46.2% |
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 |
|---|---|---|---|---|---|
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| Farmers State BankBank Phillipsburg, KS | 69 out of 100, Moderate | $42.8M | 11.7% | 1.32% | vs |
| Ventura National Bank & TrustBank Harveyville, KS | 72 out of 100, Strong | $41.7M | 17.9% | 0.09% | vs |
| The First State Bank of RansomBank Ransom, KS | 91 out of 100, Very strong | $48.9M | 20.1% | 0.34% | vs |
| The State Exchange BankBank Mankato, KS | 65 out of 100, Moderate | $50.9M | 12.2% | 1.85% | vs |
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Ninnescah Valley Bank?
Yes. Ninnescah Valley Bank is an FDIC-insured institution (FDIC certificate #4652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($8.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.04%, 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%).
1 location
Branches
Ninnescah Valley Bank lists 1 office in 1 city. Most locations:
- Cunningham, KS (1)
Identity & history
Profile
- Legal name
- Ninnescah Valley Bank
- Former names
- The First National Bank of Cunningham
- Type
- State-chartered bank
- FDIC certificate #
- 4652
- RSSD ID
- 789051
- Primary regulator
- FDIC
- Established
- July 23, 1925
- Headquarters
- 101 E 1st St, Cunningham, KS 67035
- Website
- www.nvalleybank.com
- Employees
- 6
Quick answers
Ninnescah Valley Bank: common questions
Is Ninnescah Valley Bank FDIC insured?
Yes. Ninnescah Valley Bank is an FDIC-insured institution (FDIC certificate #4652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ninnescah Valley Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ninnescah Valley Bank ever failed?
There is no failure record for FDIC certificate #4652 in the FDIC failed bank list.
How many branches does Ninnescah Valley Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cunningham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fusion BankBank Larned, KS | 88 out of 100, Very strong | $281.0M | 12.8% | 0.47% | vs |
| The Peoples BankBank Pratt, KS | 75 out of 100, Strong | $531.1M | 9.3% | 0.37% | vs |
| Legacy BankBank Colwich, KS | 74 out of 100, Strong | $865.0M | 10.6% | 0.06% | vs |
| Citizens Bank of KansasBank Kingman, KS | 72 out of 100, Strong | $548.4M | 8.5% | 0.02% | vs |
| Peoples Bank and Trust CompanyBank Mcpherson, KS | 61 out of 100, Moderate | $1.6B | 9.3% | 0.92% | vs |