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Kaw Valley State Bank

IDRSSD: 651354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q3QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #651354 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.70% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -18
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 42.6%, cash 1.7% of assets.

Cash / Assets
1.70%
Loans / Deposits
42.62%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.70% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -1
91
Sub-score

Capital position is strong: Tier 1 RBC 16.11%, CET1 16.11%, leverage 7.77%.

Tier 1 RBC
16.11%
CET1
16.11%
Leverage
7.77%
No watch items at this period.

Asset Quality

StableQoQ +2
78
Sub-score

Asset quality is stable: Adjusted NPL 1.45%, Texas Ratio 6.2%, NCO YTD -0.01%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
-0.01%
30-89 PD
2.09%
Band 0.3% / 3.0%
90+ PD
0.41%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
66
Sub-score

Reserves are stable: ALLL 1.31% of loans, coverage 91.6%, true coverage 91.6%.

ALLL / Loans
1.31%
Coverage
91.6%
True Loss Coverage
91.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 07:58:45 UTC