🏦Bank Scorer

KAW VALLEY BANK

TOPEKA, KS · Supervised by FDIC

Est. 1870FDIC #9,665RSSD: FDIC-9665
Part ofR DEAN PHILLIPS BK TR DATED 11-19-2004→ View all charters
Satisfactory Same

Current rating · Exam: September 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

1110 N Kansas Ave, TOPEKA, KS

County

Shawnee County

Established

July 22, 1870

Total Assets

$345M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$345M

Total Deposits

$289M

Net Loans

$280M

Net Income

$1M

ROA

1.38%

ROE

11.47%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.56%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$259M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411985.71%7.56%
20239983.84%10.10%
202213987.77%7.19%
202112294.26%2.46%
202015988.05%3.77%
201913791.24%3.65%
201815492.21%2.60%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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