Kaw Valley Bank

Headquarters

1110 North Kansas Avenue
Topeka, KS 66608
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 0.80% 1.15% →
2-Year CD 1.16% 1.26% →
5-Year CD 1.41% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Kaw Valley Bank is an FDIC insured institution located in Topeka, KS. It was founded in 1870 and has approximately $0.31 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 9665
Date Established 1870
Assets $ 312.74 million
Loans $ 247.16 million
Deposits $ 272.94 million
Capital $ 34.86 million
 

For a more detailed analysis of Kaw Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $25,000 Learn More
Money Market
0.25% $2,500 $25,000 Learn More
Money Market
0.50% $25,001 $250,000 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn More
6 Mo CD
0.35% $500 $99,999 Learn More
6 Mo CD
0.50% $100,000 - Learn More
12 Mo CD
0.65% $500 $99,999 Learn More
12 Mo CD
0.80% $100,000 - Learn More
18 Mo CD
0.75% $500 $99,999 Learn More
18 Mo CD
0.80% $100,000 - Learn More
Special: 20 Mo CD
1.06% $5,000 - Learn More
24 Mo CD
1.00% $500 $99,999 Learn More
24 Mo CD
1.16% $100,000 - Learn More
30 Mo CD
1.00% $500 - Learn More
Special: 36 Mo CD
1.00% $500 - Learn More
36 Mo CD
1.00% $500 $99,999 Learn More
Special: 36 Mo CD
1.16% $100,000 - Learn More
36 Mo CD
1.16% $100,000 - Learn More
Special: 38 Mo CD
1.16% $5,000 - Learn More
48 Mo CD
1.16% $500 $99,999 Learn More
48 Mo CD
1.31% $100,000 - Learn More
60 Mo CD
1.26% $500 $99,999 Learn More
60 Mo CD
1.41% $100,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $10,000 Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Kaw Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

Note to Kaw Valley Bank
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Branches

Kaw Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Kaw Valley Bank Locations


Financial Details

Kaw Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kaw Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Kaw Valley Bank U.S. Bank Average
3.75% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Kaw Valley Bank had $1,254,000 in non-current loans and $213,000 in owned real estate. To cover these potential losses it had $34,857,000 in equity and $4,222,000 in loans loss reserves. That gives it a Texas Ratio of 3.75%.

Return on Equity
Kaw Valley Bank U.S. Bank Average
12.25% 9.41%

Kaw Valley Bank has a Return on Equity of 12.25% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Kaw Valley Bank U.S. Bank Average
11.15% 12.82%

Kaw Valley Bank has a Capitalization of 11.15% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Kaw Valley Bank Balance Sheet Analysis

As of December 31, 2019, Kaw Valley Bank had assets of $312,741,000, loans of $247,157,000, and deposits of $272,941,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 9.41 million
Interest-bearing balances $ 2.43 million
Total securities $ 16.04 million
Federal funds sold and reverse repurchase $ 21.10 million
Net loans and leases $ 247.16 million
Loan loss allowance $ 4.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles $ 0.57 million
All other assets $ 11.58 million
     Total Assets $ 277.88 million
LIABILITIES
Total deposits $ 272.94 million
      Interest-bearing deposits $ 202.28 million
      Deposits held in domestic offices $ 272.94 million
      % insured (estimated) 87.61%
Federal funds purchased and repurchase agreements $ 3.63 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.32 million
      Total Liabilities $ 277.88 million
      Shareholders’ Equity $ 34.86 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 16.75 million
Total Interest Expense $ 3.13 million
Net interest income $ 13.62 million
Provision for loan and lease losses $ 1.91 million
Total non interest income $ 1.92 million
Total non interest expense $ 8.86 million
Pre-tax Net Operating Income $ 4.77 million

Bank Loan Profile?

The top three loan types in Kaw Valley Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, Kaw Valley Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.35
Multifamily
Mortgages
2.49
Credit Card Loans 0.00
Consumer Auto Loans 2.65
Small Business Loans 11.52
Construction and Development Loans 3.49
Commercial Real Estate 43.42
Commercial and Industrial Loans 19.41
Farm Loans 0.78

Frequently Asked Questions About Kaw Valley Bank

Branches and Savings

Is Kaw Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9665.

Why does Kaw Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Kaw Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Kaw Valley Bank a commercial bank?

Yes

Where are Kaw Valley Bank locations?

See branch locations nearby.

Is Kaw Valley Bank open on Saturdays?

Is Kaw Valley Bank open on Sundays?

What time does Kaw Valley Bank open?

What time does Kaw Valley Bank close?

Are Kaw Valley Bank ATMs Open 24/7?

Do Kaw Valley Bank ATMs accept cash deposits?

Can Kaw Valley Bank customers use other ATMs?

Do Kaw Valley Bank branches have notaries?

Will Kaw Valley Bank notarize my document?

What address for Kaw Valley Bank should I put for incoming ACH transfers?

Will the Kaw Valley Bank branch print checks?

Do Kaw Valley Bank checks expire?

Does Kaw Valley Bank require US citizenship to open account?

Can Kaw Valley Bank close my account?

Does Kaw Valley Bank Report to credit bureaus?

Does Kaw Valley Bank Use Equifax?

What is Kaw Valley Bank's ACH Routing Number?

What is Kaw Valley Bank's SWIFT code?

Products

Does Kaw Valley Bank offer mortgages?

Compare mortgage rates here.

Does Kaw Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Kaw Valley Bank offer personal loans?

Compare personal loan rates here.

Does Kaw Valley Bank offer student loans?

Will Kaw Valley Bank cash a check?

Will Kaw Valley Bank redeem a savings bond?

Does Kaw Valley Bank cash savings bonds?

Will Kaw Valley Bank cash money orders?

Can Kaw Valley Bank issue a money order?

Does Kaw Valley Bank do currency exchange?

Background on The Bank

Who owns Kaw Valley Bank?

How long has Kaw Valley Bank been around?

Can Kaw Valley Bank transfer to other banks?

Does Kaw Valley Bank have quick pay?

Does Kaw Valley Bank accept rolled coins?

Will Kaw Valley Bank accept loose change?

Where is Kaw Valley Bank headquarters?

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