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Kaw Valley Bank

Topeka, KS · Cert 9665 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 7 branches (43 in holding)

Q2 2026

$339.5MAssets
$280.7MLoans
$283.0MDeposits
$41.9MEquity
Loan mix
82%RE $229.6M16%C&I $45.4M2%Consumer $6.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $185.0M35%Noninterest $98.0MQ2 2025Q2 2026

NIM

5.65%Q2 ’245.75%Q2 ’256.00%Q2 ’260%+3%

Non-interest income vs. expense

3.18%Q2 ’243.37%Q2 ’253.00%Q2 ’26+10%-11%

Market Position · Topeka, KS · 2026 SOD (annual) · 4.0% share · #7 of 30 inst. · $0.3B of $7.1B

Executive Summary

  • Earnings: ROA of 1.49%, up 33 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.90%, up 14 bps from a year ago.
  • Funding: loans stand at 99.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.49%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.55%+15 bps YoY

Efficiency Ratio (quarter, annualized)

60.15%-855 bps YoY

Tier 1 Leverage Ratio

11.90%+14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.26%1.53%1.38%1.49%+33 bps
Return on Equity9.91%10.27%12.37%11.47%12.39%+248 bps
Net Interest Margin4.40%4.48%4.59%4.42%4.55%+15 bps
Efficiency Ratio68.70%67.29%61.42%62.76%60.15%-855 bps
Non-Interest Burden2.84%2.82%2.61%2.58%2.54%-30 bps
Growth
Asset Growth (YoY)1.63%-0.05%4.97%7.82%9.06%+743 bps
Loan Growth (YoY)0.84%0.50%4.68%15.66%13.64%+1,280 bps
Deposit Growth (YoY)2.26%0.93%5.22%8.08%9.35%+709 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.01%0.04%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.01%0.05%-0.01%0.00%0 bps
Allowance / Loans1.31%1.28%1.24%1.20%1.28%-3 bps
Allowance Coverage of NPLs55.6x140.0x93.8x32.8x275.5x+219.8x
Capital
Tier 1 Leverage Ratio11.76%12.06%12.05%11.80%11.90%+14 bps
Total Risk-Based Capital11.76%12.06%12.05%11.80%11.90%+14 bps
Equity / Assets12.09%12.48%12.27%11.80%12.33%+24 bps
Liquidity & Funding
Loans / Deposits95.44%96.95%94.53%98.18%99.19%+375 bps
Liquid Assets / Assets3.47%3.52%3.43%2.36%2.99%-48 bps
CRE / Total Capitaln/a334%339%368%n/an/a