BlastPoint's Banking Scorecard

Kaw Valley Bank

$100M-$1B Specialty: Commercial KS FDIC cert 9665

Topeka, KS

7 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +9.3% year over year ($283.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.45%.
Efficiency ratio 61.43% vs a 64.48% peer average.
Loan-to-deposit ratio 97.92% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Kaw Valley Bank shows strong momentum with 4 strengths and 9.1% 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

+ Deposit Franchise: Top 51.1% in tier
+ ROA 0.13% above tier average
+ Efficiency Ratio 3.05% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Kaw Valley 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 ?	$339.5M +9.1% YoY -1.4% QoQ	-$47.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$277.1M +13.7% YoY -1.2% QoQ	+$18.8M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$283.0M +9.3% YoY -2.1% QoQ	-$43.8M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.45% +17.3% YoY +4.9% QoQ	+0.13%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	4.88% +4.3% YoY +2.0% QoQ	+0.89%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 10.3% in tier
Efficiency Ratio ?	61.43% -8.3% YoY -2.1% QoQ	-3.05%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.00% -80.3% YoY -87.4% QoQ	-0.91%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 13.1% in tier
Loan-to-Deposit Ratio ?	97.92% +4.0% YoY +1.0% QoQ	+19.97%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ?	34.62% -1.4% YoY +1.3% QoQ	+12.59%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Top 10.3% in tier
Nonperforming Asset Ratio ?	0.00% -79.4% YoY -87.3% QoQ	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 12.1% in tier
Tier 1 Capital Ratio ?	11.90% +1.2% YoY +0.9% QoQ	-4.01%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.24% -10.8% YoY +101.2% QoQ	-0.33%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	61%

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	34.6% -0.5pp YoY +0.4pp QoQ	+12.5pp	22.1%	22.3%	22.2%	90%
Brokered Deposits	1.1% -0.9pp YoY 0.0pp QoQ	-6.7pp	7.9%	8.7%	8.5%	20%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	17.5% -1.5pp YoY +1.3pp QoQ	+6.0pp	11.6%	12.6%	12.5%	83%
CRE	50.6% +1.8pp YoY -1.1pp QoQ	+11.1pp	39.5%	28.8%	41.4%	71%
1-4 Family	24.5% -1.5pp YoY -0.1pp QoQ	-8.1pp	32.6%	26.7%	31.3%	40%
Consumer	1.8% -0.5pp YoY -0.4pp QoQ	-2.3pp	4.1%	4.6%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	11.9% +0.1pp YoY +0.1pp QoQ	-0.3pp	12.2%	12.6%	12.6%	64%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	75 -5 (-6.2%) YoY -2 (-2.6%) QoQ	+16	58	70	482	74%
Assets per Employee ($)	$4.5M +16.3% YoY +1.2% QoQ	-$3.0M	$7.5M	$7.1M	$8.8M	8%
Branch Count	7 0 YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	7%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	1%
Allowance Coverage	275.46x +395.3% YoY +739.9% QoQ	+251.31x	24.15x	22.44x	20.23x	98%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	11.9% +1.4pp YoY +0.5pp QoQ	-0.3pp	12.2%	14.3%	11.6%	49%
Cost of Funds (YTD)	1.6% +0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	42%
Net Income ($, YTD)	$2.4M +25.9% YoY — QoQ	-$127K	$2.6M	$3.7M	$40.4M	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Deposit Franchise

growth

#143 of 278 • Top 51.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.62%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.88%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

273

Net Interest Margin

profitability

Value: 4.88%

Peer Median: 3.99%

#273 of 2643 Top 10.3% in $100M-$1B

274

Non-Interest-Bearing Deposit Share

funding

Value: 34.62%

Peer Median: 22.03%

#274 of 2643 Top 10.3% in $100M-$1B

321

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#321 of 2643 Top 12.1% in $100M-$1B

347

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#347 of 2633 Top 13.1% in $100M-$1B

Top Weaknesses (1 metrics)

2313

Loan-to-Deposit Ratio

liquidity

Value: 97.92%

Peer Median: 77.95%

#2313 of 2643 Bottom 12.5% in $100M-$1B