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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wamego, KS · FDIC certificate #17832
KAW VALLEY STATE B&T CO is an FDIC-insured institution based in Wamego, KS (FDIC certificate #17832). In its Q3 2026 Call Report it reported total assets of $295M, total deposits of $255M and net loans of $193M. Its primary federal regulator is FED.
Plain-language readout
KAW VALLEY STATE B&T CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $296M in Q2 2026 and were lowest at $295M in Q3 2026.
Total deposits were highest at $260M in Q1 2026 and lowest at $251M in Q2 2026.
Over the whole period total assets fell 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $295M | $255M | $193M | 2.19% | 19.61% | 3.78% |
| Q2 2026 | $296M | $251M | $193M | 2.17% | 19.55% | 3.66% |
| Q1 2026 | $295M | $260M | $183M | 1.91% | 17.46% | 3.46% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.8M | $16.5M | -$2.7M | -16.3% |
| Federal funds sold | $10.8M | $11.5M | -$739K | -6.4% |
| 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) | $73.3M | $79.3M | -$6.0M | -7.6% |
| Equity securities with readily determinable fair values, not held for trading | $597K | $498K | +$99K | +19.9% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $192.7M | $182.7M | +$10.1M | +5.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.2M | $1.2M | -$7K | -0.6% |
| 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 | $3.4M | $3.4M | +$44K | +1.3% |
| Total assets | $295.8M | $295.0M | +$779K | +0.3% |
| Liabilities | ||||
| Total deposits | $250.6M | $260.3M | -$9.8M | -3.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.7M | $684K | +$10.0M | +1459.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $750K | $684K | +$66K | +9.6% |
| Total liabilities | $262.0M | $261.7M | +$285K | +0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $122K | $122K | $0K | 0.0% |
| Surplus | $1.3M | $1.3M | $0K | 0.0% |
| Retained earnings | $37.1M | $36.8M | +$255K | +0.7% |
| Accumulated other comprehensive income | -$767K | -$1.0M | +$239K | +23.8% |
| Other equity components | -$3.9M | -$3.9M | $0K | 0.0% |
| Total equity capital | $33.8M | $33.3M | +$494K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $161K | $171K | -$10K | -5.8% |
| Adjusted nonperforming assets | $161K | $171K | -$10K | -5.8% |
| Tangible equity plus allowance | $36.1M | $35.6M | +$545K | +1.5% |
| Texas ratio (gross) | 0.45% | 0.48% | -0.03 pts | See points |
| Texas ratio (adjusted) | 0.45% | 0.48% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.45% | 0.48% | -0.03 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) | 11.73% | 11.28% | +0.44 pts | See points |
| Construction and land loans to total capital | 22.90% | 19.25% | +3.65 pts | See points |
| Commercial real estate to total capital | 62.11% | 58.35% | +3.75 pts | See points |
| Dividend payout, year to date | 56.93% | 20.39% | +36.54 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.31% | -3.05% | +0.74 pts | See points |
| Liquidity | ||||
| Core deposits | $216.2M | $228.3M | -$12.1M | -5.3% |
| Non-core funding | $45.1M | $32.7M | +$12.3M | +37.6% |
| Loans to core deposits | 90.23% | 81.01% | +9.22 pts | See points |
| Loans to deposits | 77.84% | 71.03% | +6.81 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 82.59% | 86.28% | -3.69 pts | See points |
| Loans pledged, share of loans | 66.33% | 65.90% | +0.44 pts | See points |
| Volatile liabilities | $45.1M | $32.7M | +$12.3M | +37.6% |
| Earnings | ||||
| Earnings before provision, year to date | $3.3M | $1.5M | +$1.8M | +119.2% |
| Earnings before provision, single quarter | $1.8M | $1.5M | +$290K | +19.2% |
| Provision for credit losses, year to date | $60K | $15K | +$45K | +300.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.09% | 7.07% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.01% | 3.02% | -0.01 pts | See points |
| Total interest income to average assets | 5.60% | 5.31% | +0.28 pts | See points |
| Cost of interest-bearing transaction accounts | 2.14% | 2.23% | -0.08 pts | See points |
| Cost of savings and money market deposits | 1.49% | 1.29% | +0.20 pts | See points |
| Cost of time deposits | 3.73% | 3.78% | -0.05 pts | See points |
| Total interest expense to average assets | 1.77% | 1.97% | -0.20 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 | $295M | $255M | $193M | 2.19% | 19.61% | 3.78% |
| 2026-06-30 | $296M | $251M | $193M | 2.17% | 19.55% | 3.66% |
| 2026-03-31 | $295M | $260M | $183M | 1.91% | 17.46% | 3.46% |
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 | $247.4M | 0.24% | 87 | Continuing · +0.03 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.