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Ninnescah Valley Bank
Cunningham, KS · FDIC Certificate #4652 · Chartered 07/2
Total assets
$44.59M
Total deposits
$40.52M
Total equity
$3.96M
Net loans
$17.98M
Branches (offices)
1
Net income (YTD)
$284.00K
Rank: #4,071 of 4,213 U.S. banks by assets · #167 of 183 in Kansas. Assets changed 5.6% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 14.70% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 8.87% |
| Tier 1 leverage ratio | 12.04% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 3.54% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 44.4% |
| Real estate loans (share of loans) | 45.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $8.09M | 45.0% | |
| Commercial & industrial | $2.98M | 16.6% | |
| Consumer / individual | $666.00K | 3.7% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $5.28M | 29.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $39.79M | $37.10M | $161.00K | $2.10M |
| Jun 2023 | $38.73M | $32.90M | $149.00K | $2.26M |
| Jun 2024 | $39.13M | $35.65M | $209.00K | $2.72M |
| Jun 2025 | $42.23M | $39.01M | $236.00K | $3.05M |
| Jun 2026 | $44.59M | $40.52M | $284.00K | $3.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $40.52M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $40.52M.
Similar-sized banks
Portrait Bank ($44.70M) · Cornerstone Community Bank ($44.49M)
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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