NINNESCAH VALLEY BANK: how it compares with its peers
Against 37 KS banks with half to twice its assets, NINNESCAH VALLEY BANK's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 3.75% peer median). Its weakest relative measure is efficiency ratio (64.26% vs. 63.47%).
| Measure | NINNESCAH VALLEY BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.26% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.75% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.26% | 63.47% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.9M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.36% | 61.20% | Context |
What it means for lending operations
Its efficiency ratio of 64.26% is above the 63.47% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Union State Bank Olsburg, KS · $44M
- Farmers State Bank Phillipsburg, KS · $43M
- Ventura National Bank & Trust Harveyville, KS · $42M
- The First State Bank of Ransom Ransom, KS · $49M
- The State Exchange Bank Mankato, KS · $51M
- Cottonwood Valley Bank Cedar Point, KS · $38M
Questions about NINNESCAH VALLEY BANK
How big is NINNESCAH VALLEY BANK?
NINNESCAH VALLEY BANK, established in 1925, is headquartered in Cunningham, KS. It reported $45M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is NINNESCAH VALLEY BANK's return on assets?
1.32% annualized in Q2 2026, against a 1.26% median for 37 KS banks with half to twice its assets, ahead of 59% of them.
What is NINNESCAH VALLEY BANK's efficiency ratio?
64.26% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 63.47%, and lower is better.
Is NINNESCAH VALLEY BANK growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits grew 3.9%.
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.