# COTTONWOOD VALLEY BANK
CEDAR POINT, KS · FDIC certificate 17160 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $38.1M | |
| Deposits | $32.7M | |
| Loans and leases | $6.1M | |
| Total equity | $4.5M | |
| Loans / deposits | 17.88% (p5 of band) | 73.59% |
| Liquid assets / assets | 80.34% (p97 of band) | |
| Uninsured deposits / deposits | 10.72% (p17 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.39% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -27.85% (p15 of band) | -6.57% |
| AOCI / equity | -0.49% (p45 of band) | |
| ROA (annualized) | 0.93% (p36 of band) | 1.17% |
| Net interest margin | 2.92% (p10 of band) | 3.93% |
| Efficiency ratio | 69.22% (p58 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 22% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $332,000 (5.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 6 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 0 |  | losing money, expense ratio p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | noncurrent p90 |
| 2014-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2015-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 2 | assets shrinking |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | expense ratio p90, NIM <2.5% |  |
| 2017-06 | 1 |  | expense ratio p90 |
| 2017-09 | 0 |  | NIM <2.5% |
| 2017-12 | 1 | expense ratio p90 |  |
| 2018-03 | 1 | capital falling | expense ratio p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | NIM <2.5% |  |
| 2019-06 | 0 |  | NIM <2.5% |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 4 | expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2020-06 | 1 |  | expense ratio p90, NIM <2.5%, uninsured deposits leaving |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 2 | expense ratio p90, NIM <2.5% |  |
| 2021-03 | 2 | capital falling | expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 3 | expense ratio p90, noncurrent p90 |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2022-06 | 4 | charge-offs p90 | noncurrent p90, capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | expense ratio p90 |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 2 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 4 | capital falling, expense ratio p90 | AOCI drag >20% of equity |
| 2024-03 | 3 |  | expense ratio p90 |
| 2024-06 | 3 | deposits shrinking | capital falling |
| 2024-09 | 2 |  | deposits shrinking |
| 2024-12 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 5 |  | capital falling |
| 2025-06 | 2 |  | NIM <2.5%, deposits shrinking, assets shrinking |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 |  | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | uninsured deposits leaving, capital falling |
| 2026-06 | 0 |  | securities losses >30% of equity |

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

- 2026-05-22 [Clayton Hobble Obituary (2026) - Emporia, KS - Roberts-Blue-Barnett Funeral Home- Emporia - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWG4wTnY4YkRTQWZ0SUNtQzVST2MxZUNydjFsc05UX0Z0VmZuNjNCeE9GZE8wN2RUejl4T1AxcmpuRW5rLXhoejhIU3lybS1WQ243WjdNMm5OVzJ4a25tQ3R5dDBvbl9tU0Z3Ull2NzZwU0EtMDk1NTJMWkdsVlBwQ2FRMA?oc=5) · Legacy obituary
- 2026-05-04 [Raymond Van Sickle - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOY3h1Tk1nSkhJY2w5M1hTd2tTQUd0V0hoN3lFaXk4eWg2YVR5ZW4wZ19PZmV3OW01OEFjLVJ4TmxOY1hDWHFPZkJTdlBRTEVVNDBIWmpWVHJPRDlmNVBZTWJUSjVjSUtCcmRDSl9GdTFvQlBLQW9FdGEwTWNEa0d4WHREc3UxaERsMEpPSVdn?oc=5) · Emporia Gazette
- 2005-04-25 [Robbers Rediscovering the Small-Town Bank - Police1](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbkNmbXZNZ3puTmJtOVVWNHVmRWV6cEhLNl9ZM2RTWEpXTmVOdmY3VUZFN0VBSXpMTjd6STFXazdtWTl4dVI4cTZhU2pUSkV1WXFXamdOQi13MUJCV1FTQUNEakNVSGg5YnhOWnRta25pbHJRdUl5d3cwVXZ4a09DUUpFbzFmaERsWjF0aldyOTcyLWFzS3JfS1dWdktDLVVCdmc?oc=5) · Police1
- 2026-04-02 [Emporia High Theatre selected for international festival, plans benefit events - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxNSENXeXhOQTYxZjNVbS1GYml6amFRMUgxMkZrREVlY1VGalBfNEowYjNSQ2hFWXEySWtOQTBqUDBwQXh2aTlnVWFEZjJUVURJNjF0RTlRakJPeEFhTEFCQmNJM1VXaFl4QTdoSXBKLUI3NHRtZWR1ODVqNnNHS3B2dWkzakk2YVlDTHl1WTRn?oc=5) · Emporia Gazette
- 2026-04-10 [Diversicare of Council Grove Welcomes New Administrator Lauren Harper - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQWVMYWVLQk9Lb1dYcnBoTXJKZnZSUjQ4RU5OZUZyTGhtTktoTFZwbDFidGZUczAycU5tc3I1YXNvMUt2Q2FmM2FHQmZlOG5vc0J6QkxESnVaYzE4UmVBbVZVdkN5MFprdndCNi02SE1RdEZtVVJSUnp1MDJWcXJ3Vk9vVWVHNTBPRlh6VmVR?oc=5) · Emporia Gazette
- 2024-07-24 [Motorcycle accident on KTA leaves Wichita man seriously injured - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdmR0NUl6ckt6LVhOS1hmd2dvS1RjdEZBSFlsRVFmM0pmUUVNemFoMDhCM3hWeThKLU1LdEJGZ3ZCQ1B4RW9FYlJmdGNtU19BTE1hMWI4dDJfdkxJbS1xRUtSUU5oWnNxQnJCeUhxUnlycUNHc3dWeEUwTDFhNmZtaGt4MDZ6cXJ4bjhQdU1R?oc=5) · Emporia Gazette
- 2022-02-04 [Emporia man transported after Wednesday morning wreck - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdVY1UzVIX0JRNjl2ZlJXWDdhZTJIVFpOMHRTS0VrLXBBTTRGdmdEcDloT2M5bFExNENqVmNVRUVyZ2dZbWZTaVEzdTM4NzBET3ozbDF4eC1nZGNGd2pTUEJSMmQ2a0pEMHJqbFF1ejFFT0I1T3BDMnpoMUVPOHF6Y1lSVTNwRTliUmdIei13?oc=5) · Emporia Gazette
- 2025-01-05 [Closings and Cancellations - Emporia Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxQN21DNFh4VW5JVFRFX3N4blF5Vk15c3dNVTJoZ2R4ZERJQjc4UnNnYkxwVEZvbU5tYWluTDhIeEtPX1o5ZndhZ3htWFJ1S1VxUW9TVzVzSjI2N3kxSlg5aC1Gajl6cVo2QlpwYjk1R2J2VnZuYi1KWTUtVHJGdFBadGZ3YUJyRkxWZ1JURmZNRmVXODha?oc=5) · Emporia Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17160 (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/8.json (key "17160", 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