Total Assets
$41M
Total balance-sheet footings
FDIC Cert #4652 · Cunningham, Kansas · Est. 1925
NINNESCAH VALLEY BANK - FDIC Bank Health Profile
A community-scale look at NINNESCAH VALLEY BANK's own numbers, pulled straight from its quarterly FDIC Call Report.
- $41M
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
NINNESCAH VALLEY BANK earns a PlainBankData health grade of B (67/100), with well-capitalized at 12.54% Tier 1, 0.97% ROA, 66% efficiency ratio.
- #4,185
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 12.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- 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 NINNESCAH VALLEY BANK's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
NINNESCAH VALLEY BANK's composite health score
Tier 1 Capital Ratio (12.54%) 35/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (16.87%) 10/20
Efficiency Ratio (65.58%) 8/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$36M
Customer-funded liabilities
Net Loans
$16M
Outstanding loan book
Net Income
$407K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where NINNESCAH VALLEY BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NINNESCAH VALLEY BANK's score of 67/100 falls in the highlighted band.
NINNESCAH VALLEY BANK'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). NINNESCAH VALLEY BANK's $41M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.54%
Texas Ratio
16.87%
Equity Capital
$4M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
12.62%
Efficiency Ratio
65.58%
What the numbers say about NINNESCAH VALLEY BANK
NINNESCAH VALLEY BANK is an FDIC-insured institution (Certificate #4652) headquartered in Cunningham, Kansas, established in 1925. It holds $41M in total assets - 4,185th of 4,313 FDIC-insured banks, $36M in customer deposits, and $16M in net loans. On safety, its Tier 1 capital ratio of 12.54% is above the 10% well-capitalized threshold, and its Texas Ratio of 16.87% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), 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.
By assets, NINNESCAH VALLEY BANK ranks 174th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$2M
Interest Income
$57K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. NINNESCAH VALLEY BANK reports a Texas Ratio of 16.87% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.87% - 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) NINNESCAH VALLEY BANK (FDIC Cert #4652) - 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 NINNESCAH VALLEY BANK's health grade?▼
NINNESCAH VALLEY BANK receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is NINNESCAH VALLEY BANK?▼
NINNESCAH VALLEY BANK holds $41M in total assets and $36M in deposits, ranking 4,185th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cunningham, Kansas.
Is my money safe at NINNESCAH VALLEY BANK?▼
Yes, deposits at NINNESCAH VALLEY BANK (Certificate #4652) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is NINNESCAH VALLEY BANK's Tier 1 Capital Ratio?▼
NINNESCAH VALLEY BANK has a Tier 1 Capital Ratio of 12.54%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for NINNESCAH VALLEY BANK?▼
NINNESCAH VALLEY BANK has a Texas Ratio of 16.87%. 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 NINNESCAH VALLEY BANK?▼
NINNESCAH VALLEY BANK has an Efficiency Ratio of 65.58%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read NINNESCAH VALLEY BANK's profile as a depositor or analyst.
- NINNESCAH VALLEY BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare NINNESCAH VALLEY BANK 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.