Ninnescah Valley Bank
Cunningham, KS · Cert 4652 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 1 branch
Q2 2026
$44.6MAssets
$18.3MLoans
$40.5MDeposits
$4.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 61% of banks under $1B in assets in KS (rank 38 of 98).
- Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in KS (rank 92 of 98).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.04%
Rank 72 of 98
Net Interest Margin
3.71%
Rank 38 of 98
Efficiency Ratio
64.26%
Rank 70 of 98
Equity / Assets
8.87%
Rank 72 of 98
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 30% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 1.03% | 1.24% | 1.54% | Beats 27% | 72 / 98 | |
| Return on Equity | 11.71% | 8.85% | 11.58% | 14.73% | Beats 54% | 45 / 98 | |
| Net Interest Margin | 3.71% | 3.24% | 3.62% | 3.91% | Beats 61% | 38 / 98 | |
| Efficiency Ratio | 64.26% | 51.87% | 58.88% | 64.74% | Beats 30% | 70 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.54% | 0.01% | 0.33% | 1.05% | Beats 7% | 92 / 98 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 30% | 70 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.81% | 13.71% | 17.33% | Beats 28% | 71 / 98 | |
| Total Risk-Based Capital Ratio | 12.04% | 11.81% | 14.13% | 17.45% | Beats 26% | 73 / 98 | |
| Equity / Assets | 8.87% | 8.60% | 11.34% | 13.10% | Beats 27% | 72 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 45.22% | 57.09% | 69.84% | 82.47% | 10th pctl | 88 / 98 | |
| Loans / Assets | 41.09% | 49.34% | 58.31% | 68.94% | 11th pctl | 87 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |