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Cottonwood Valley Bank
Cedar Point, KS · FDIC Certificate #17160 · Chartered 01/2
Total assets
$38.07M
Total deposits
$32.68M
Total equity
$4.47M
Net loans
$5.84M
Branches (offices)
4
Net income (YTD)
$175.00K
Rank: #4,109 of 4,213 U.S. banks by assets · #171 of 183 in Kansas. Assets changed 3.9% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 8.07% |
| Net interest margin (YTD) | 2.92% |
| Equity to assets | 11.73% |
| Tier 1 leverage ratio | 14.39% |
| Uninsured deposits (share of deposits) | 10.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.16% |
| Loans to deposits | 17.9% |
| Real estate loans (share of loans) | 22.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.33M | 22.7% | |
| Commercial & industrial | $918.00K | 15.7% | |
| Consumer / individual | $2.65M | 45.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $742.00K | 12.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $40.69M | $37.19M | $83.00K | $2.77M |
| Jun 2023 | $39.02M | $35.42M | $107.00K | $2.83M |
| Jun 2024 | $37.36M | $33.64M | $100.00K | $2.90M |
| Jun 2025 | $36.63M | $31.98M | $167.00K | $3.76M |
| Jun 2026 | $38.07M | $32.68M | $175.00K | $4.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $32.68M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $32.68M.
Similar-sized banks
Tucumcari Federal Savings And Loan Association ($38.39M) · The First National Bank At St. James ($37.88M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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