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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Topeka, KS · FDIC certificate #9665
KAW VALLEY BANK is an FDIC-insured institution based in Topeka, KS (FDIC certificate #9665). In its Q3 2026 Call Report it reported total assets of $332M, total deposits of $277M and net loans of $273M. Its primary federal regulator is FDIC.
Plain-language readout
KAW VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $345M in Q1 2026 and were lowest at $332M in Q3 2026.
Total deposits were highest at $289M in Q1 2026 and lowest at $277M in Q3 2026.
Over the whole period total assets fell 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $332M | $277M | $273M | 1.52% | 12.33% | 4.96% |
| Q2 2026 | $340M | $283M | $277M | 1.45% | 11.94% | 4.88% |
| Q1 2026 | $345M | $289M | $280M | 1.38% | 11.47% | 4.79% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.8M | $13.4M | +$2.4M | +18.2% |
| Federal funds sold | $2.8M | $10.7M | -$7.9M | -74.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $24.9M | $21.5M | +$3.4M | +15.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $277.1M | $280.4M | -$3.3M | -1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.9M | $7.0M | -$115K | -1.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.1M | $11.6M | +$480K | +4.1% |
| Total assets | $339.5M | $344.5M | -$5.0M | -1.4% |
| Liabilities | ||||
| Total deposits | $283.0M | $289.0M | -$6.0M | -2.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $11.4M | $11.5M | -$89K | -0.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.3M | -$66K | -2.0% |
| Total liabilities | $297.7M | $303.9M | -$6.2M | -2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3.5M | $3.5M | $0K | 0.0% |
| Surplus | $26.3M | $26.3M | $0K | 0.0% |
| Retained earnings | $12.3M | $11.0M | +$1.3M | +11.6% |
| Accumulated other comprehensive income | -$238K | -$179K | -$59K | -33.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.9M | $40.6M | +$1.2M | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $13K | $104K | -$91K | -87.5% |
| Adjusted nonperforming assets | $13K | $104K | -$91K | -87.5% |
| Tangible equity plus allowance | $45.4M | $44.1M | +$1.4M | +3.2% |
| Texas ratio (gross) | 0.03% | 0.24% | -0.21 pts | See points |
| Texas ratio (adjusted) | 0.03% | 0.24% | -0.21 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.36% | 0.60% | -0.24 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.90% | 11.80% | +0.10 pts | See points |
| Construction and land loans to total capital | 72.42% | 75.99% | -3.57 pts | See points |
| Commercial real estate to total capital | 244.68% | 263.43% | -18.74 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.76% | -0.59% | -0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $245.7M | $246.5M | -$811K | -0.3% |
| Non-core funding | $48.8M | $54.1M | -$5.3M | -9.8% |
| Loans to core deposits | 114.27% | 115.14% | -0.88 pts | See points |
| Loans to deposits | 99.19% | 98.18% | +1.01 pts | See points |
| Brokered deposits share of deposits | 1.11% | 1.09% | +0.02 pts | See points |
| Pledged securities share of securities | 79.89% | 89.53% | -9.64 pts | See points |
| Loans pledged, share of loans | 21.00% | 11.83% | +9.17 pts | See points |
| Volatile liabilities | $48.8M | $54.1M | -$5.3M | -9.8% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.5M | +$1.7M | +111.9% |
| Earnings before provision, single quarter | $1.7M | $1.5M | +$182K | +11.9% |
| Provision for credit losses, year to date | $50K | $25K | +$25K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.84% | 6.74% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.77% | 3.55% | +0.22 pts | See points |
| Total interest income to average assets | 6.00% | 5.85% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.47% | 0.47% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.76% | 1.75% | +0.01 pts | See points |
| Cost of time deposits | 3.65% | 3.60% | +0.05 pts | See points |
| Total interest expense to average assets | 1.47% | 1.44% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $332M | $277M | $273M | 1.52% | 12.33% | 4.96% |
| 2026-06-30 | $340M | $283M | $277M | 1.45% | 11.94% | 4.88% |
| 2026-03-31 | $345M | $289M | $280M | 1.38% | 11.47% | 4.79% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $258.8M | 0.25% | 83 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.