Kaw Valley Bank: how it compares with its peers
Against 82 KS banks with half to twice its assets, Kaw Valley Bank's strongest measure in Q2 2026 is net interest margin (4.88% vs. a 3.98% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $6.8M).
| Measure | Kaw Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.52% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.88% | 3.98% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.43% | 58.42% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.8M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.92% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 61.43% is above the 58.42% 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
- The Citizens State Bank Gridley, KS · $336M
- Goppert State Service Bank Garnett, KS · $345M
- Stryv Bank Wichita, KS · $333M
- Heritage Bank Topeka, KS · $325M
- KCB Bank Lakin, KS · $322M
- First National Bank and Trust Phillipsburg, KS · $322M
Questions about Kaw Valley Bank
How big is Kaw Valley Bank?
Kaw Valley Bank, established in 1870, is headquartered in Topeka, KS. It reported $340M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Kaw Valley Bank's return on assets?
1.45% annualized in Q2 2026, against a 1.52% median for 82 KS banks with half to twice its assets, ahead of 44% of them.
What is Kaw Valley Bank's efficiency ratio?
61.43% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 58.42%, and lower is better.
Is Kaw Valley Bank growing its loans?
Net loans grew 13.7% over the year to Q2 2026, while deposits grew 9.3%.
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.