Kaw Valley State Bank

Headquarters

739 Main Street
Eudora, KS 66025
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.05% →
1-Year CD 0.90% 0.95% →
2-Year CD 1.20% 1.05% →
5-Year CD 1.30% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Kaw Valley State Bank is an FDIC insured institution located in Eudora, KS. It was founded in 1899 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 13413
Date Established 1899
Assets $ 53.35 million
Loans $ 22.71 million
Deposits $ 47.37 million
Capital $ 5.81 million
 

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

Deposit Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.50% $10,000 $14,999 Learn More
3 Mo CD
0.50% $100,000 $199,999 Learn More
6 Mo CD
0.70% $10,000 $14,999 Learn More
6 Mo CD
0.70% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
1.20% $10,000 $14,999 Learn More
24 Mo CD
1.20% $100,000 $199,999 Learn More
36 Mo CD
1.20% $10,000 $14,999 Learn More
36 Mo CD
1.20% $100,000 $199,999 Learn More
48 Mo CD
1.25% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More
60 Mo CD
1.30% $10,000 $14,999 Learn More
60 Mo CD
1.30% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Kaw Valley State 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
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to Kaw Valley State Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Kaw Valley State 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 State Bank Locations


Financial Details

Kaw Valley State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kaw Valley State 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 State Bank U.S. Bank Average
3.96% 6.94%

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 March 31, 2020, Kaw Valley State Bank had $243,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,813,000 in equity and $322,000 in loans loss reserves. That gives it a Texas Ratio of 3.96%.

Return on Equity
Kaw Valley State Bank U.S. Bank Average
13.19% 7.80%

Kaw Valley State Bank has a Return on Equity of 13.19% versus the BestCashCow average of 7.80%. 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 State Bank U.S. Bank Average
10.9% 12.68%

Kaw Valley State Bank has a Capitalization of 10.9% versus the BestCashCow average of 12.68. 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 State Bank Balance Sheet Analysis

As of March 31, 2020, Kaw Valley State Bank had assets of $53,353,000, loans of $22,713,000, and deposits of $47,366,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 4.10 million
Interest-bearing balances $ 2.59 million
Total securities $ 21.34 million
Federal funds sold and reverse repurchase $ 4.18 million
Net loans and leases $ 22.71 million
Loan loss allowance $ 0.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.39 million
     Total Assets $ 47.54 million
LIABILITIES
Total deposits $ 47.37 million
      Interest-bearing deposits $ 36.17 million
      Deposits held in domestic offices $ 47.37 million
      % insured (estimated) 76.65%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.17 million
      Total Liabilities $ 47.54 million
      Shareholders’ Equity $ 5.81 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.51 million
Total Interest Expense $ 0.04 million
Net interest income $ 0.47 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.04 million
Total non interest expense $ 0.37 million
Pre-tax Net Operating Income $ 0.15 million

Bank Loan Profile?

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

Compared to other banks in Kansas, Kaw Valley State Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans 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 42.99
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 7.73
Small Business Loans 0.00
Construction and Development Loans 5.32
Commercial Real Estate 15.72
Commercial and Industrial Loans 13.45
Farm Loans 4.07

Frequently Asked Questions About Kaw Valley State Bank

Branches and Savings

Is Kaw Valley State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13413.

Why does Kaw Valley State 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 State Bank CD rates not competitive?

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

Is Kaw Valley State Bank a commercial bank?

Yes

Where are Kaw Valley State Bank locations?

See branch locations nearby.

Is Kaw Valley State Bank open on Saturdays?

Is Kaw Valley State Bank open on Sundays?

What time does Kaw Valley State Bank open?

What time does Kaw Valley State Bank close?

Are Kaw Valley State Bank ATMs Open 24/7?

Do Kaw Valley State Bank ATMs accept cash deposits?

Can Kaw Valley State Bank customers use other ATMs?

Do Kaw Valley State Bank branches have notaries?

Will Kaw Valley State Bank notarize my document?

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

Will the Kaw Valley State Bank branch print checks?

Do Kaw Valley State Bank checks expire?

Does Kaw Valley State Bank require US citizenship to open account?

Can Kaw Valley State Bank close my account?

Does Kaw Valley State Bank Report to credit bureaus?

Does Kaw Valley State Bank Use Equifax?

What is Kaw Valley State Bank's ACH Routing Number?

What is Kaw Valley State Bank's SWIFT code?

Products

Does Kaw Valley State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Kaw Valley State Bank offer personal loans?

Compare personal loan rates here.

Does Kaw Valley State Bank offer student loans?

Will Kaw Valley State Bank cash a check?

Will Kaw Valley State Bank redeem a savings bond?

Does Kaw Valley State Bank cash savings bonds?

Will Kaw Valley State Bank cash money orders?

Can Kaw Valley State Bank issue a money order?

Does Kaw Valley State Bank do currency exchange?

Background on The Bank

Who owns Kaw Valley State Bank?

How long has Kaw Valley State Bank been around?

Can Kaw Valley State Bank transfer to other banks?

Does Kaw Valley State Bank have quick pay?

Does Kaw Valley State Bank accept rolled coins?

Will Kaw Valley State Bank accept loose change?

Where is Kaw Valley State Bank headquarters?

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