Liquidity
StrongQoQ -11
83
Sub-score
Liquidity is strong: brokered 13.6%, loans/deposits 42.2%, cash 6.6% of assets.
- Cash / Assets
- 6.63%
- Loans / Deposits
- 42.16%
- Brokered %
- 13.64%
No watch items at this period.
Kaw Valley State Bank
IDRSSD: 651354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
80
/ 100
StableAs of 2025-Q2QoQ -7
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #651354 2025-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↓ -7 ptscomposite
- Liquidity↓ -11
- Securities— —
- Capitalization↑ 0
- Asset Quality↓ -9
- Reserves↓ -16
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ 0
95
Sub-score
Capital position is strong: Tier 1 RBC 16.73%, CET1 16.73%, leverage 8.72%.
- Tier 1 RBC
- 16.73%
- CET1
- 16.73%
- Leverage
- 8.72%
No watch items at this period.
Asset Quality
StableQoQ -9
68
Sub-score
Asset quality is stable: Adjusted NPL 1.67%, Texas Ratio 7.5%, NCO YTD -0.18%.
- Adjusted NPL
- 1.67%
- Texas Ratio
- 7.5%
- NCO YTD
- -0.18%
- 30-89 PD
- 3.03%
- 90+ PD
- 0.70%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -16
50
Sub-score
Reserves are deteriorating: ALLL 1.22% of loans, coverage 74.1%, true coverage 74.1%.
- ALLL / Loans
- 1.22%
- Coverage
- 74.1%
- True Loss Coverage
- 74.1%
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.tsfor 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