# KAW VALLEY BANK
TOPEKA, KS · FDIC certificate 9665 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $339.5M | |
| Deposits | $283.0M | |
| Loans and leases | $280.7M | |
| Total equity | $41.9M | |
| Loans / deposits | 97.92% (p86 of band) | 82.04% |
| Liquid assets / assets | 12.81% (p11 of band) | |
| Uninsured deposits / deposits | 20.22% (p29 of band) | 25.97% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 4.30% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.90% (p68 of band) | 10.81% |
| Unrealized securities loss / equity | -0.74% (p88 of band) | -8.10% |
| AOCI / equity | -0.28% (p54 of band) | |
| ROA (annualized) | 1.45% (p61 of band) | 1.28% |
| Net interest margin | 4.88% (p91 of band) | 3.91% |
| Efficiency ratio | 61.43% (p50 of band) | |
| Noncurrent loans | 0.00% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 27546.15% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 76.60% (p76 of band) | |
| Auto loans | $3.5M (1.26% of loans; DQ 1.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 6 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2011-12 | 5 |  | wholesale funding >15% |
| 2012-03 | 7 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2012-06 | 6 |  | brokered >10% |
| 2012-09 | 8 | noncurrent p90, charge-offs p90 |  |
| 2012-12 | 9 | capital falling |  |
| 2013-03 | 7 |  | uninsured deposits leaving, capital falling |
| 2013-06 | 6 |  | charge-offs p90 |
| 2013-09 | 7 | charge-offs p90 |  |
| 2013-12 | 7 |  |  |
| 2014-03 | 4 |  | losing money, expense ratio p90, charge-offs p90 |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 2 |  | deposits shrinking |
| 2014-12 | 3 | deposits shrinking |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | deposits shrinking |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | capital falling | reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | wholesale funding >15% |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 | expense ratio p90 | wholesale funding >15% |
| 2017-06 | 4 | losing money, reserve under noncurrent, assets shrinking | noncurrent p90 |
| 2017-09 | 3 |  | losing money |
| 2017-12 | 4 | deposits shrinking |  |
| 2018-03 | 4 | uninsured deposits leaving | expense ratio p90 |
| 2018-06 | 3 |  | reserve under noncurrent |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2019-03 | 0 |  | assets shrinking, deposits shrinking, liquid assets <10% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | reserve under noncurrent |  |
| 2023-06 | 5 | capital falling |  |
| 2023-09 | 0 |  | noncurrent p90, deposits shrinking, assets shrinking, reserve under noncurrent, capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 0 |  | deposits shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-05-31 [Trudy D. Bammes Obituary May 31, 2026 - Mercer Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE5hQU1ld0M0WHRMU3FXalJpdUF5N0l2dlBVcTNIZjJSX1EyZktTMm50ajJaOHoxamtTd3VMb3Y0X3J6aHU2UWFHdGNINEExWVBmWDRaLVpxR2wzNlVfeGVqLVBEdkNMS0d3VXc?oc=5) · Mercer Funeral Home
- 2017-03-15 [145-year-old Kaw Valley Bank is being sold - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRUVFLVJqZmYwZHJuTFhMZmhNOU0tdzl1Wjk0dlloNHZsajVSc1RFZzU3Y3hWOEJxLTNSRGMwYjZSN0VDaTlVYzBaYkhNNGdkdHZtTkdZUU94VWdhZ2pIbjdsdkZhajdHODVDMm4yMjNLYzdkQVhYOTBkUU5sdDU2d3ZOOFJDaHMzTXU5MFYxMUF0VDRsVXFsblpjTzR1NzhNdi1YM3UzNjc?oc=5) · The Topeka Capital-Journal
- 2017-03-15 [Kaw Valley Bank to be sold to Kansas bank holding company - KSNT 27 News](https://news.google.com/rss/articles/CBMijAFBVV95cUxNVUZrR1R6SHhqY01ISVdKOFRVTGRaOXk2OXZYMmlHam14QlhrZlNCSXIwTVY0RExHbDdBSTZWSk5sWXA1eVZzUXhfLWRzMlpVNUlUQzRqd2hNSU5QVC00X0o0SUNvRmdPY0NGQ3JDdkNJNUwtNWJJYlEzamtWX1FRSlpmZWZDUjhJeV8wWtIBkgFBVV95cUxOaHZadEd2enhJRVJmZkZDdFFyNDFsZjRIRlZPc21yWFFVUEdYUXB2RkRLZW5FZmhBcWs3NFdlVlBGRzhMaG5xQjhkZW8wbkU4eFFycXhoVUNwS2MzSnh2eGYtOHdoRFBuTDIzVzhlQkY3Q21taWdJaTFJU05FdC1ySnRwTGJTRVFqRzY3cWxRVTdnQQ?oc=5) · KSNT 27 News
- 2017-03-15 [Locally-owned bank based in Topeka sold - WIBW](https://news.google.com/rss/articles/CBMie0FVX3lxTE9LLXJrZFZrMXVreENTNmt2aDJZSU9hczlyT0k5NmdTTW5vWlYxVERtNXMwenhoU0VKT2VlREN0clNLMHZkNGFoOUNlaE9iWHVRYXNwU1lRb2ZpekpKdTdXU1k5eTRkcDlWdjBLTGVBRUJtY2laaHdLSkc2NNIBjwFBVV95cUxQM0k3RmI4UGJYVHlaengxbll5SXdfLW9kT1hvRzU5emY3VVB4Q0hLR3ctNWZUeGx4VWM1ejFfaF9uQlhYTkYybmhBZklJSEZaQVRPWnFrdjNTOHQzcWpXYlBaWmZGd1lOaUY4aVJpZE82OEdqQnRlR3M3YjA4cEs4bkt4R3VaTXVZcDFseEJjZw?oc=5) · WIBW
- 2020-05-20 [Kaw Valley Bank celebrates 150 years - KSNT 27 News](https://news.google.com/rss/articles/CBMie0FVX3lxTFBJai1iZW40cVF2MXRmV2w0YVZIdXhycG5XaEpCMFJRaHh4alR6c2hYQjRpaDdfNkc3ai1DVEYwT0JWTk5tRkRJWnpqekFUNU9sWHJYQVFkQjl0OXg1a2VUcE9XdXMzUVhLM1J3S2E0bTBmRjEwbGhvUjVnVdIBgAFBVV95cUxQVVF2TTgtekFLcm1vUkU3U25rVl9nbFg0WnM5Tm9LcTlPR25qakdDS2JjM0FWSDNCVzlMV29lOTZJVHUydXItOTZ1SlYwUnZYNEJhLXpxaTlZQlpDRFFDeUVBVk1pYmM4WHIzSXpJU2p4SS1Bcjh4Qm54R0d1aU5BWg?oc=5) · KSNT 27 News
- 2025-05-20 [Mary Lou Williams Obituary May 20, 2025 - Parker-Price & Davidson - Parker-Price & Davidson](https://news.google.com/rss/articles/CBMiYEFVX3lxTE43clQxMlpvNWR6MjItMUxQX2g2TFI5VG5mbXVnVjhBZUYwcFUxbklvUlg1OFZrMnQ0Mlc4cHJqTEdXd3B6V0d2aEdyd08tVHpLbzJyWldSYWFPOWlwQWM1OA?oc=5) · Parker-Price &amp; Davidson
- 2024-04-10 [U.S. appeals court orders release of bank records in IRS investigation of Kansas state senator - Kansas Reflector](https://news.google.com/rss/articles/CBMizgFBVV95cUxQMTRWZGZSZUNzQVhubkFNT1FJaHNJQUhHRGdkcDVzXzFSbl9lTDU2LWdPWWF5bFBoMEZIM2NoLVhlNE5TWFNPX2dvRVFaVTRaZWJqY2tUSDJ4aUtyU2xWS1JUZTZuNkpRUTRiaTlTVUFBeFFKM0dqVDVnamw0SUZQUndoNGZfcjI1dEE3VFprMUQ4V2V5N29fZzlwcV85ODA3WThSNmJfLU90MnBSdElteWwzcnc4WGxnVTBidllDZzF2ek1EWmNkd2ctTFJwUQ?oc=5) · Kansas Reflector
- 2022-10-02 [Ronald Perry Obituary (2022) - Saint Marys, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeHo1TjE2UHpMUGxuazJPaEV0MW1pWDFaN1lEdzFpcDZnRVI4dEFkM1BBUTl2ZDY0R3VsOWZmRXdFUlI1MWQwb3VTZVFiR2FDQzdBd2ZabmlkeXMydVBWaGtyLUhLbldvT1dqQ1ZCT1FFeFhoTlJzZkJhSzl6b3hEMjFxSlJ2N0Y3b1JLczdvNE8zRkk1TUE?oc=5) · Lawrence Journal-World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9665 (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/1.json (key "9665", 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