Kaw Valley Bank

What Kaw Valley Bank does

Kaw Valley Bank is a privately held, FDIC-insured community bank headquartered in Topeka, Kansas, operating six physical branches across the Topeka metro and serving individual consumers, small to mid-size businesses, and trust/wealth management clients. Founded in 1870 as Oakland State Bank and renamed to Kaw Valley Bank in 2007, the institution has operated continuously for over 150 years and is among the largest employers in North Topeka with approximately 90 employees. The bank's product portfolio spans personal checking (Lux, Advantage, Merit, Advantage Plus, Easy), personal savings and money market accounts, certificates of deposit (terms from 14 days to 60 months with promotional rates of 3.46%-3.98% APY), personal lending (auto, boat/RV, mortgage, personal loans), business checking and NOW accounts, commercial lending (CRE, equipment, lines of credit), and a Trust Department (operating since 1969) offering estate administration, investment management, conservatorships, and retirement plans.

The technology stack is a traditional community-banking architecture: a Banno-powered core banking platform supporting 24/7 online banking at onlinebanking.kawvalleybank.com, the GoMobile mobile app with Mobile Deposit Capture, mobile wallet integration (Apple Pay, Google Pay, Samsung Pay), and customizable debit card alerts. Data export formats include MSMoney, QuickBooks, Quicken, BAI2, and Excel for cash management and personal finance integration. The bank does not disclose APIs, SDKs, or AI/ML capabilities, and operates entirely on domestic U.S. infrastructure.

The revenue model is a standard commercial bank net-interest-income plus fee model. Interest income is generated from commercial real estate, investment real estate, consumer, and mortgage loans, plus CDs and savings. Service fees include monthly account charges ($0-$5 tiered), per-transaction fees on business accounts ($0.07-$0.15), and overdraft fees. Trust and investment services contribute managed-services revenue. The go-to-market is sales-led and relationship-based: physical branches drive face-to-face account opening and lending, complemented by digital channels and community sponsorships. Ownership passed to community bankers Dean Phillips and Phil Burns in March 2017, with Craig Heideman serving as CEO/President since May 2018.

Name

Kaw Valley Bank

Legal name

Kaw Valley Bank

Website

https://kawvalleybank.com

Company type

Private

Founded year

1870

Operating status

Operating

Headcount range

101–250 employees

Short description

Kaw Valley Bank is a privately held FDIC-insured community bank headquartered in Topeka, Kansas, operating six branches that serve individual consumers, small to mid-size businesses, and trust and wealth management clients with personal banking, commercial lending, and estate services.

Ownership category

akta.pro rank

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including commercial real estate, consumer loans, mortgages, and investment real estate loans. Interest is also earned on certificates of deposit and savings accounts.
2. Service Fees: Monthly service charges on checking and savings accounts (e.g., $3-5 monthly fees on various accounts), per-transaction fees (deposits, checks deposited, debits), and fee income from overdrafts and other account services.
3. Trust and Investment Services: Revenue from trust department services including administration of trusts, estates, investment management, and retirement plan services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Kaw Valley Bank is a community bank that delivers personal and business banking products and services including checking accounts, savings accounts, certificates of deposit, consumer and commercial loans, residential mortgages, and a Trust Department offering estate administration, investment management, and retirement planning. The bank serves the Topeka, Kansas market through six physical branches complemented by digital banking channels including online banking, a GoMobile mobile application, and mobile wallet integration.

Product overview

Kaw Valley Bank is a community bank offering a comprehensive suite of personal and business banking products. The core offerings include multiple Personal Checking accounts (Lux, Advantage, Merit, Advantage Plus, Easy), Personal Savings accounts (Advantage, Advantage Plus, Teen, Money Market variants), Business Checking and Savings accounts, and Certificate of Deposit accounts with various terms. Lending products span Personal Lending (auto, boat/RV, mortgages, personal loans), Business Lending (commercial real estate, equipment loans, lines of credit), and Trust/Investment Services including estate administration and retirement planning. Digital banking capabilities include Online Banking with data export to Quicken/QuickBooks/Excel, Mobile Banking via GoMobile App, and Mobile Wallet integration with Apple Pay/Google Pay/Samsung Pay. The bank also provides financial planning tools through an extensive calculator suite covering loans, mortgages, retirement, and savings scenarios.

Differentiator

Problem solved

Functional benefit

Brands

• GoMobile: Mobile banking application for account access, transfers, bill payment, and mobile deposit capture.

Products and services

• Personal Checking Accounts Suite of personal checking accounts including Lux Checking with cellular phone protection, identity theft resolution, and shopping/travel discounts; Advantage Checking (interest-bearing with balance requirements); Merit Checking (for customers 60 and over); Advantage Plus Checking (tiered interest rates); and Easy Checking for everyday consumer banking.
• Personal Savings Accounts Personal savings products including Advantage Savings ($200 minimum), Advantage Plus Savings ($2,500 minimum with tiered rates), Teen Savings (ages 13-17, 0.60% APY), Advantage Money Market, and Advantage Plus Money Market.
• Business Checking and Savings Accounts Business banking products including Business Checking ($100 minimum opening), Business NOW Checking (interest-bearing for non-profits and sole proprietors), Advantage Plus Money Market, and Advantage Plus Savings with tiered interest rates.
• Business Lending Commercial lending services including Commercial Real Estate Loans, Investment Real Estate Loans, Equipment Loans, and Business Lines of Credit for business growth and operations.
• Personal Lending Personal loan products including Auto and Motorcycle Loans, Boat and RV Loans, Mortgage Home Loans, and Personal Loans for needs such as vehicle repairs, vacations, and debt consolidation.
• Trust and Investment Services Comprehensive trust department services including trusts and estates administration, financial planning, conservatorships, supplemental needs trusts, investment management (stocks, bonds, mutual funds, ETFs), and retirement plans (IRA, Roth IRA, 401(k), profit sharing).
• Online Banking 24/7 online account access with features including balance checking, transaction history, fund transfers between accounts, loan payments, and data export to MSMoney, QuickBooks, BAI2, Excel, and Quicken.
• Mobile Banking (GoMobile App) Mobile banking application enabling account management, transfers, bill payment, and Mobile Deposit Capture for convenient banking on-the-go.
• Mobile Wallet Digital wallet integration supporting Apple Pay, Google Pay, and Samsung Pay for secure contactless payments using debit cards.
• Certificate of Deposit (CD) Fixed-term deposit accounts with terms from 14 days to 60 months, including promotional rates for 9, 14, and 21 month terms. Also available for IRAs.
• Mortgage Home Loans Residential mortgage products including fast pre-qualification, first-time homebuyer programs, conventional fixed-rate mortgages, adjustable-rate mortgages, VA/FHA/USDA programs, jumbo loans, and refinancing options.
• Debit Card Alerts Customizable debit card transaction alerts via text or email for purchases over specified amounts, international transactions, declined transactions, and online purchases.

Quantifiable outcome

• Local decision-making with experienced lenders providing quick, personalized service
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Sunflower Bank, N.A. Kansas-headquartered bank with statewide commercial, retail, mortgage, and treasury management services — overlaps in personal/business banking but operates at significantly larger scale.
• Capitol Federal Financial (Capitol Federal Savings Bank): Topeka-headquartered bank (the largest in Kansas by deposit share) — overlaps entirely in market geography and core deposit/lending activities but is far larger and operates broadly across Kansas and Missouri.
• INTRUST Bank: Wichita-headquartered, Kansas-dominant community bank with personal, business, wealth, and trust services across the state — same core product mix but materially larger scale and broader Kansas footprint.

Direct peers

• Landmark National Bank: Kansas community bank (Manhattan-headquartered) providing personal/business banking and lending throughout Kansas — comparable mid-sized in-state peer with similar product breadth.
• Morrill & Janes Bank & Trust: Kansas community bank with personal, business, and trust services including wealth management — comparable community-bank peer in scale, geography, and product offering.
• CoreFirst Bank & Trust: Topeka-headquartered community bank offering personal, business, mortgage, and wealth services across multiple Kansas branches — the closest geographic and product-line competitor to Kaw Valley Bank.
• Equity Bank: Kansas-rooted community bank offering personal, business, mortgage, and wealth services across multiple Kansas markets — similar product set and community-bank positioning.
• Emprise Bank: Kansas-based community bank with personal/business banking, lending, and trust services — comparable mid-sized community bank serving Kansas markets with a similar product set.
• Stockgrowers State Bank: Small Kansas community bank with agricultural and consumer banking heritage — directly comparable in scale and community-bank franchise to Kaw Valley Bank.

Others

• Banno (a Jack Henry company): Digital banking platform provider powering Kaw Valley Bank's online and mobile banking (per the 'Created by Banno' branding on the bank's site) — adjacent ecosystem enabler rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/kawvalleybanktopeka
• Instagraminstagram.com/kawvalleybank
• LinkedInlinkedin.com/company/kaw-valley-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kaw Valley Bank