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Kaw Valley State Bank and Trust Company

$100M-$1B Specialty: Agricultural KS FDIC cert 17832

Wamego, KS

3 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

Kaw Valley State Bank and Trust Company has 3 strengths but faces 1 concern

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

  • + Profitability Leader: Top 26.0% in tier
  • + Efficiency Ratio 16.53% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.47% below tier average
Get updates when Kaw Valley State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $295.0M
+9.1% YoY -3.6% QoQ
-$91.1M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
45%
Total Loans ? $182.7M
+25.7% YoY +6.7% QoQ
-$73.1M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $260.3M
+15.4% YoY +1.1% QoQ
-$67.6M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
47%
Return on Assets ? 1.91%
+42.2% YoY +14.6% QoQ
+0.64% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
Top 15.0% in tier
Net Interest Margin ? 3.46%
+14.2% YoY +6.4% QoQ
-0.47% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 48.76%
-20.4% YoY -10.2% QoQ
-16.53% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
Top 13.9% in tier
Delinquency Rate ? 0.09%
-60.2% YoY +135.6% QoQ
-0.79% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
75%
Loan-to-Deposit Ratio ? 70.17%
+8.9% YoY +5.5% QoQ
-6.47% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
66%
Non-Interest-Bearing Deposit Share ? 19.56%
-2.4% YoY +6.2% QoQ
-2.46% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
43%
Nonperforming Asset Ratio ? 0.06%
-54.2% YoY +160.8% QoQ
-0.58% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
76%
Tier 1 Capital Ratio ? 11.28%
-1.8% YoY +2.2% QoQ
-4.55% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.14%
+0.2% YoY -74.8% QoQ
-0.14% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
69%

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 (1)

Profitability Leader

growth
#174 of 666 • Top 26.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.91%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

370
Efficiency Ratio
profitability
Value: 48.76%
Peer Median: 65.29%
#370 of 2664 Top 13.9% in $100M-$1B
400
Return on Assets
profitability
Value: 1.91%
Peer Median: 1.27%
#400 of 2664 Top 15.0% in $100M-$1B
629
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.64%
#629 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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