Cottonwood Valley Bank
Cedar Point, KS
IDRSSD: 921655
Total Assets
$38.68M
Latest filing
Total Deposits
$33.45M
Latest filing
Net Interest Margin
2.94%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cottonwood Valley Bank
106 Main St
Cedar Point, KS 66843
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/25/1914FDIC Certificate 11196
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cottonwood Valley Bank (Main) | 106 Main St | Cedar Point, KS |
| FLORENCE BRANCH | 417 Main St | Florence, KS |
| 200 BROADWAY BRANCH | 200 Broadway St | Cottonwood Falls, KS |
| LINCOLNVILLE BRANCH | 220 W Main St | Lincolnville, KS |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/25/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66843 |
| State and County Number | 20017 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Emporia, KS |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/08/1952 |
| Primary Insurance Agency | DIF |
| Website | www.cottonwoodvalleybank.com |
| Data Updated | 11/14/2025 |
| CERT | 17160 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $38.68M |
| Total Deposits | $33.45M |
| Total Liabilities | $34.38M |
| Total Equity Capital | $4.29M |
| Net Income | $163.00k |
| Net Loans and Leases | $6.72M |
| Assets Per Employee ($Millions) | $7.74M |
| Bank Premises and Fixed Assets | $134.00k |
| Cash and Balances due from Depository Institutions | $3.62M |
| Deposits Held in Domestic Offices | $33.45M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 16.18% |
| Net Interest Margin | 2.94% |
| Efficiency Ratio | 57.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.102% |
| Earning Assets to total Assets | 95.46% |
Income and Expense
| Total Interest Income | $330.00k |
| Total Noninterest Income | $122.00k |
| Total Interest Expense | $70.00k |
| Total Noninterest Expense | $219.00k |
| Net Interest Income | $260.00k |
| Pre-tax Net Operating Income | $163.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.53M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $938.00k |
| Total Liabilities and Capital | $38.68M |
Securities
| Securities | $22.19M |
| Available-for-sale debt securities | $22.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cottonwood Valley Bank?
$38.68M as of the latest filing.
How much are Cottonwood Valley Bank's total deposits?
$33.45M in total deposits.
Where is Cottonwood Valley Bank located?
Cedar Point, KS.
What is the Net Interest Margin?
2.94%.
How many domestic offices does it operate?
4.
When was it established?
01/25/1914.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$6.72M (latest filing).
What is the total interest income (latest filing)?
$330.00k.