Total Assets
$306M
Total balance-sheet footings
FDIC Cert #17832 · Wamego, Kansas · Est. 1913
Kaw Valley State Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Kaw Valley State Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $306M
- Total assets
- A
- Health grade · Excellent
- 1.66%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
Kaw Valley State Bank and Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.04% Tier 1, profitable at 1.66% ROA, efficient (54% cost ratio).
- #2,461
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 11.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Kaw Valley State Bank and Trust Company's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Kaw Valley State Bank and Trust Company's composite health score
Tier 1 Capital Ratio (11.04%) 28/40
Return on Assets (ROA) (1.66%) 25/25
Texas Ratio (0.20%) 20/20
Efficiency Ratio (54.31%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$257M
Customer-funded liabilities
Net Loans
$171M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Kaw Valley State Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kaw Valley State Bank and Trust Company's score of 85/100 falls in the highlighted band.
Kaw Valley State Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Kaw Valley State Bank and Trust Company's $306M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.04%
Texas Ratio
0.20%
Equity Capital
$32M
Profitability metrics
Return on Assets (ROA)
81st percentile nationally
1.66%
Return on Equity (ROE)
16.20%
Efficiency Ratio
54.31%
What the numbers say about Kaw Valley State Bank and Trust Company
Kaw Valley State Bank and Trust Company is an FDIC-insured institution (Certificate #17832) headquartered in Wamego, Kansas, established in 1913. It holds $306M in total assets - 2,461st of 4,313 FDIC-insured banks, $257M in customer deposits, and $171M in net loans. Looking at capital strength, Tier 1 stands at 11.04%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.20%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Kaw Valley State Bank and Trust Company ranks 70th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Kaw Valley State Bank and Trust Company reports a Texas Ratio of 0.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kaw Valley State Bank and Trust Company (FDIC Cert #17832) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Kaw Valley State Bank and Trust Company's health grade?▼
Kaw Valley State Bank and Trust Company receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Kaw Valley State Bank and Trust Company?▼
Kaw Valley State Bank and Trust Company holds $306M in total assets and $257M in deposits, ranking 2,461st of 4,313 FDIC-insured banks by asset size. It is headquartered in Wamego, Kansas.
Is my money safe at Kaw Valley State Bank and Trust Company?▼
Yes, deposits at Kaw Valley State Bank and Trust Company (Certificate #17832) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Kaw Valley State Bank and Trust Company's Tier 1 Capital Ratio?▼
Kaw Valley State Bank and Trust Company has a Tier 1 Capital Ratio of 11.04%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Kaw Valley State Bank and Trust Company?▼
Kaw Valley State Bank and Trust Company has a Texas Ratio of 0.20%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Kaw Valley State Bank and Trust Company?▼
Kaw Valley State Bank and Trust Company has an Efficiency Ratio of 54.31%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Kaw Valley State Bank and Trust Company's profile as a depositor or analyst.
- Kaw Valley State Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Kaw Valley State Bank and Trust Company against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.