# KAW VALLEY STATE BANK
EUDORA, KS · FDIC certificate 13413 · asset band <$300M · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $72.3M | |
| Deposits | $69.6M | |
| Loans and leases | $29.7M | |
| Total equity | $2.4M | |
| Loans / deposits | 42.16% (p13 of band) | 72.67% |
| Liquid assets / assets | 56.97% (p86 of band) | |
| Uninsured deposits / deposits | 35.94% (p90 of band) | 19.13% |
| Brokered deposits | 13.14% | |
| Wholesale funding | 13.14% (p88 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p9 of band) | 11.61% |
| Unrealized securities loss / equity | -165.48% (p1 of band) | -10.04% |
| AOCI / equity | 18.96% (p99 of band) | |
| ROA (annualized) | 0.82% (p37 of band) | 1.04% |
| Net interest margin | 3.13% (p23 of band) | 3.76% |
| Efficiency ratio | 76.09% (p68 of band) | |
| Noncurrent loans | 1.65% (p84 of band) | 0.31% |
| Net charge-offs (annualized) | -0.05% (p3 of band) | |
| Reserve coverage of noncurrent | 74.08% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 89.72% (p91 of band) | |
| Auto loans | $2.7M (9.16% of loans; DQ 8.45%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 4 | capital falling, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2021-06 | 1 | reserve under noncurrent | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent |
| 2022-06 | 3 | reserve under noncurrent |  |
| 2022-09 | 2 | noncurrent p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2023-03 | 1 |  | reserve under noncurrent, noncurrent p90, AOCI drag >20% of equity |
| 2023-06 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  | securities losses >30% of equity, deposits shrinking |
| 2023-12 | 4 | capital falling, securities losses >30% of equity | uninsured deposits leaving |
| 2024-03 | 4 | AOCI drag >20% of equity | noncurrent p90 |
| 2024-06 | 4 | construction >100% equity | capital falling |
| 2024-09 | 2 |  | AOCI drag >20% of equity, construction >100% equity |
| 2024-12 | 5 | AOCI drag >20% of equity, construction >100% equity, assets shrinking |  |
| 2025-03 | 3 |  | AOCI drag >20% of equity, construction >100% equity |
| 2025-06 | 4 | brokered >10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Farmers State Bank of Oakley goes from zero to two KC-area locations - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSHhOMW5jQkc0dTRYS2dOVmlwb1VZUkJicjdPY0sxSDdlcFd3aHNoR1VmX2UtZmZNcU9oaVIwOGtPRGhTYXNMNnYtTUc5OXJ1QmswZ1hfX0d2allKbEtaeGstcWxrLVVFeVJleXY5NU96UXdHWlE5QmpkbjN6a0M0SG0wZ2hvZUtucmJ1d0tyTUQ1RW00TDV1UUdLMWw1eFI5dnlHRnc3eVZEdw?oc=5) · The Business Journals
- 2026-07-20 [Kansas’ Small Business Bank fails - Banking Dive](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNaUJ1Q2xPZjREN1dRTjFBcUhyRTlCT19RZGFTaF9KQUhRNk9FREloV0h3QmkwQy10c1BqdWNELWZUWHpMR29hZ2x1dGhkbFU0VzBJMDNBREZkaWJlQWJCaVk2U2d6QzRwVHdqZ1pPUEwxWGphVW5PT3YzbGJRbE1ucE5xTmROQ25KQVY5ak42aURRV05KU0xQM0g0T1NTUXFIb2NiLUVsVzhMalBDRjJTZ3lmRFg5NXFB?oc=5) · Banking Dive
- 2025-10-03 [Town Talk | Western Kansas bank enters Douglas County market, plus new report shows the biggest banks in Lawrence - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNQk1hOFpNd0RlUVFqQkpab1ljZk9vRml2UV9hejh4azdaVHBfSGdRSnE2NFAyR2ZuVGNHWWI0Z2czbjRQV1JLY1NyeWZwWkZNUGVUUl9CVWp0WXFKblhPY0R3alY0SU11MVFVS1g5RzhLbFQwYnlPTjQtRnBwalJrRDNyRGx6dEVSMUlWMF9oQlFLczREeEZhWlRlMzQyNFpDRWJGOXZPend1MHBGOE1aeERZd0RaYzFheFBJaW1NSElMbEhpWDdfcjV3d21wOU9WNW1UQmRUNm9Zb3pyNEViWjV4LVdsVFZWaTVfZg?oc=5) · Lawrence Journal-World
- 2020-05-20 [Kaw Valley Bank celebrates 150 years - KSNT 27 News](https://news.google.com/rss/articles/CBMie0FVX3lxTFBJai1iZW40cVF2MXRmV2w0YVZIdXhycG5XaEpCMFJRaHh4alR6c2hYQjRpaDdfNkc3ai1DVEYwT0JWTk5tRkRJWnpqekFUNU9sWHJYQVFkQjl0OXg1a2VUcE9XdXMzUVhLM1J3S2E0bTBmRjEwbGhvUjVnVdIBgAFBVV95cUxQVVF2TTgtekFLcm1vUkU3U25rVl9nbFg0WnM5Tm9LcTlPR25qakdDS2JjM0FWSDNCVzlMV29lOTZJVHUydXItOTZ1SlYwUnZYNEJhLXpxaTlZQlpDRFFDeUVBVk1pYmM4WHIzSXpJU2p4SS1Bcjh4Qm54R0d1aU5BWg?oc=5) · KSNT 27 News
- 2018-12-06 [James “Jim” V. Hoover Obituary Dec 6, 2018 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1leG81Z2tKRWRqMEdMaFpURTZpSXFuRTRHdXU4cVgzbGptNUl6dmp5Z0V4a3hVRUlHVmZrZDFYTS1zUnpReEVQUnBDMUU3NmhScEY3VDhqanJKcS1ERFRhWDN5Vk5WYjYtd2tIMg?oc=5) · warrenmcelwain.com
- 2013-05-25 [Edward "Ed" William Phillips Obituary May 25, 2013 - Campanella & Stewart Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9VYkhpVlVzaFFTZjltMHRYX3RZVERBZUh0VGJvQmdaRG5tczFBeHk0aUp4TDhhdUVHLXAycnI2a0x0c0R5ODdJSEVNam5CNXpoXy1yWlFJaFhDTUN3WTF0Qzhn?oc=5) · Campanella &amp; Stewart Funeral Home
- 2014-09-14 [Business briefcase for Sept. 15 - Lawrence Journal-World](https://news.google.com/rss/articles/CBMieEFVX3lxTE1ySlBxRDVLY2t1Nk9YWGNuRVF6ZEtoaGZCWVBZcDR5SnJNUy1XODJjaTk3OWtwYkVtNDVrTHQ0RmM2ejdtUXFLeThpUEZYamRMWVpmbVNXc2pDY050SzNSNXF3Ym1KM3ZWSndUQkNkZUdVblFBX1N1ag?oc=5) · Lawrence Journal-World
- 2026-07-20 [Regulators seize Lenexa bank and transfer deposits to a new institution - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdmlXUzhMWk9rRWtuUnpzUUdVR1RZc2pSQTdIQ3lzUGFzSlRCVFBNY2NCS3J6Rmd4My1aemotWnNGXzI3MUlPQ1Vwa0pxaGc5YzFfVXhPSGhZVk9pcnBIMkNkMDFVR3RsWWFBMzZ3a21ERjNkbzVaTWNDY1dWcE1Rd3VycUVzZUFCWE1xRDJmRW9RWEgyWGNwaERBM0NQVzlLNWxkdFYxbzhMc19LUUU4?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13413 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "13413", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide