Kaw Valley State Bank and Trust Company: how it compares with its peers
Against 81 KS banks with half to twice its assets, Kaw Valley State Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.17% vs. a 1.47% peer median). Its weakest relative measure is net interest margin (3.66% vs. 4.00%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.17% | 1.47% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 4.00% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.37% | 59.00% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.9M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.92% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 46.37% is better than the 59.00% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Kansas Bank Hoisington, KS · $294M
- Grant County Bank Ulysses, KS · $298M
- SJN Bank of Kansas Saint John, KS · $303M
- Vintage Bank Kansas Leon, KS · $289M
- First Heritage Bank Centralia, KS · $303M
- Fusion Bank Larned, KS · $281M
Questions about Kaw Valley State Bank and Trust Company
How big is Kaw Valley State Bank and Trust Company?
Kaw Valley State Bank and Trust Company, established in 1913, is headquartered in Wamego, KS. It reported $296M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Kaw Valley State Bank and Trust Company's return on assets?
2.17% annualized in Q2 2026, against a 1.47% median for 81 KS banks with half to twice its assets, ahead of 93% of them.
What is Kaw Valley State Bank and Trust Company's efficiency ratio?
46.37% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 59.00%, and lower is better.
Is Kaw Valley State Bank and Trust Company growing its loans?
Net loans grew 25.7% over the year to Q2 2026, while deposits grew 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.