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CBW Bank

under $100M Specialty: Other KS FDIC cert 13959

Designations: ✓ Community bank ✓ Minority Depository Institution

Weir, KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
  • Deposits +28.6% year over year ($53.7M on the books).
  • Delinquency rate 0.95%.
  • Return on assets 1.70%.
  • Efficiency ratio 84.55% vs a 119.40% peer average.
  • Loan-to-deposit ratio 22.45% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 48 in KS
View under $100M leaderboard (KS) →

CBW Bank shows strong momentum with 6 strengths and 22.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 71.17% above tier average
  • + Non-Interest Income / Assets 4.82% above tier average
  • + ROA 0.70% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Efficiency Ratio 34.84% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when CBW Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $80.5M
+22.4% YoY +21.9% QoQ
+$18.1M $62.4M
-0.0% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $12.1M
+32.1% YoY +21.8% QoQ
-$22.8M $34.9M
-0.6% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 12.7% in tier
Total Deposits ? $53.7M
+28.6% YoY +30.4% QoQ
+$2.1M $51.6M
-0.2% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 1.70%
+435.0% YoY +142.8% QoQ
+0.70% 1.00%
+3.5% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.22%
-7.3% YoY +5.2% QoQ
+0.30% 3.91%
+2.3% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 84.55%
-5.1% YoY -38.8% QoQ
-34.84% 119.40%
+49.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.95%
+2.4% YoY +8.6% QoQ
-0.53% 1.48%
+31.8% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 22.45%
+2.8% YoY -6.6% QoQ
-51.76% 74.21%
+12.6% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 6.2% in tier
Non-Interest-Bearing Deposit Share ? 94.66%
+1.0% YoY +1.7% QoQ
+71.17% 23.49%
+0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Top 0.6% in tier
Nonperforming Asset Ratio ? 0.14%
+10.6% YoY +8.4% QoQ
-0.69% 0.84%
+23.0% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 146.86%
-13.7% YoY -14.8% QoQ
+119.74% 27.13%
+3.0% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Top 2.1% in tier
Non-Interest Income / Assets ? 6.20%
+57.7% YoY +249.2% QoQ
+4.82% 1.38%
+6.3% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 2.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 94.7%
+1.0pp YoY
+1.5pp QoQ
 +70.0pp 24.6% 22.3% 22.2% 99%
Brokered Deposits n/a n/a 9.8% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 30.7%
-4.3pp YoY
-9.0pp QoQ
 +17.3pp 13.4% 12.6% 12.5% 91%
CRE n/a n/a 25.2% 28.8% 41.4% n/a
1-4 Family 3.2%
-1.5pp YoY
-1.0pp QoQ
 -31.8pp 35.0% 26.7% 31.3% 10%
Consumer 66.6%
+7.7pp YoY
+11.6pp QoQ
 +58.9pp 7.7% 4.6% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 146.9%
-23.4pp YoY
-25.6pp QoQ
 +108.2pp 38.7% 23.3% 19.7% 96%
Leverage Ratio 28.3%
+0.6pp YoY
-0.3pp QoQ
 +10.7pp 17.7% 12.6% 12.6% 92%
Total Capital Ratio 147.9%
-23.6pp YoY
-25.7pp QoQ
 +108.2pp 39.7% 24.4% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 27
+4 (+17.4%) YoY
+2 (+8.0%) QoQ
 +15 12 70 482 97%
Assets per Employee ($) $3.0M
+4.2% YoY
+12.9% QoQ
 -$3.2M $6.2M $7.1M $8.8M 8%
Branch Count 1
0 YoY
0 QoQ
 -1 1 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.4% 0.4% n/a
Nonaccrual 1.0%
0.0pp YoY
+0.1pp QoQ
 -0.8pp 1.7% 0.8% 1.0% 55%
Allowance Coverage 1.46x
-37.3% YoY
-11.1% QoQ
 -4.95x 6.41x 22.44x 20.23x 52%
Net Charge-off Rate (YTD) -0.4%
-0.4pp YoY
 -0.5pp 0.2% 0.1% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 5.3%
+4.3pp YoY
+17.5pp QoQ
 -1.1pp 6.4% 14.3% 11.6% 34%
Cost of Funds (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -1.4pp 1.4% 1.6% 1.7% 0%
Net Income ($, YTD) $648,000
+453.8% YoY
— QoQ
 +$330K $317,817 $3.7M $40.4M 85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (5 metrics)

4
Non-Interest-Bearing Deposit Share
funding
Value: 94.66%
Peer Median: 23.49%
#4 of 536 Top 0.6% in under $100M
12
Tier 1 Capital Ratio
capital
Value: 146.86%
Peer Median: 27.13%
#12 of 536 Top 2.1% in under $100M
16
Non-Interest Income / Assets
revenue_mix
Value: 6.20%
Peer Median: 1.38%
#16 of 536 Top 2.8% in under $100M
34
Loan-to-Deposit Ratio
liquidity
Value: 22.45%
Peer Median: 74.21%
#34 of 536 Top 6.2% in under $100M
103
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.00%
#103 of 536 Top 19.0% in under $100M

Top Weaknesses (2 metrics)

469
Total Loans
size
Value: $12.06M
Peer Median: $34.89M
#469 of 536 Bottom 12.7% in under $100M
411
Efficiency Ratio
profitability
Value: 84.55%
Peer Median: 119.40%
#411 of 536 Bottom 23.5% in under $100M
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