BlastPoint's Banking Scorecard
Cottonwood Valley Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17160
Designations: ✓ Community bank
Cedar Point, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Cottonwood Valley Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.09% below tier
- - Loan-to-Deposit Ratio 55.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.1M
-1.0% YoY
-4.0% QoQ
|
-$180.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$6.0M
+53.9% YoY
-10.3% QoQ
|
-$133.2M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$31.9M
-4.6% YoY
-4.6% QoQ
|
-$151.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.56%
+261.6% YoY
-52.2% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.77%
+17.2% YoY
+2.6% QoQ
|
-1.09% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
81.81%
-13.6% YoY
+30.6% QoQ
|
+14.08% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
18.89%
+61.3% YoY
-6.0% QoQ
|
-55.64% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.60%
+1.8% YoY
-3.0% QoQ
|
+11.21% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.59%
+55.0% YoY
+17.1% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
18.89%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.60% · Tier avg: 22.39%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 81.81% · Tier avg: 67.73%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
5
5th pctile
Total Deposits
Current: $31.9M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $37.1M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $6.0M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 18.89% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 18.89% · Tier avg: 74.53%
2
2th pctile
Total Loans
Current: $6.0M · Tier avg: $139.2M
4
4th pctile
Total Assets
Current: $37.1M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $31.9M · Tier avg: $183.7M
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
18
18th pctile
Efficiency Ratio
Current: 81.81% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.60% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%