BlastPoint's Banking Scorecard

Kaw Valley Bank

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

Topeka, KS

7 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Kaw Valley Bank has 4 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

+ Credit Quality Leader: Top 12.3% in tier
+ Deposit Franchise: Top 57.4% in tier
+ ROA 0.11% above tier average
+ Efficiency Ratio 2.53% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$344.5M +7.8% YoY +6.9% QoQ	-$41.6M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$280.4M +15.8% YoY +10.8% QoQ	+$24.7M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$289.0M +8.1% YoY +6.6% QoQ	-$38.9M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	1.38% +7.1% YoY +5.2% QoQ	+0.11%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	4.79% +3.2% YoY +0.0% QoQ	+0.86%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 11.3% in tier
Efficiency Ratio ?	62.76% -3.9% YoY -4.4% QoQ	-2.53%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.04% +49.7% YoY +176.1% QoQ	-0.85%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	97.00% +7.1% YoY +3.9% QoQ	+20.37%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ?	34.17% -12.2% YoY -1.5% QoQ	+12.15%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Top 11.0% in tier
Nonperforming Asset Ratio ?	0.03% +60.8% YoY +186.2% QoQ	-0.61%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	11.80% +3.9% YoY -2.1% QoQ	-4.03%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.12% -9.3% YoY -77.1% QoQ	-0.16%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	62%

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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 (2)

Credit Quality Leader

growth

#83 of 664 • Top 12.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#157 of 272 • Top 57.4% 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: 34.17%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.79%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#46 of 1308 • Bottom 3.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

294

Non-Interest-Bearing Deposit Share

funding

Value: 34.17%

Peer Median: 22.02%

#294 of 2664 Top 11.0% in $100M-$1B

303

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.93%

#303 of 2664 Top 11.3% in $100M-$1B

495

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#495 of 2654 Top 18.6% in $100M-$1B

501

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#501 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (1 metrics)

2332

Loan-to-Deposit Ratio

liquidity

Value: 97.00%

Peer Median: 76.64%

#2332 of 2664 Bottom 12.5% in $100M-$1B