Ford County State Bank
Spearville, KS · Cert 12139 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 1 branch
Q2 2026
$58.4MAssets
$30.5MLoans
$52.8MDeposits
$5.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: return on assets trails 86% of banks under $1B in assets in KS (rank 84 of 98).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.90%
Rank 84 of 98
Net Interest Margin
3.26%
Rank 73 of 98
Efficiency Ratio
63.47%
Rank 67 of 98
Equity / Assets
9.06%
Rank 71 of 98
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 33% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 1.03% | 1.24% | 1.54% | Beats 14% | 84 / 98 | | |
| Return on Equity | 9.97% | 8.85% | 11.58% | 14.73% | Beats 37% | 62 / 98 | | |
| Net Interest Margin | 3.26% | 3.24% | 3.62% | 3.91% | Beats 26% | 73 / 98 | | |
| Efficiency Ratio | 63.47% | 51.87% | 58.88% | 64.74% | Beats 33% | 67 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.01% | 0.33% | 1.05% | Beats 43% | 57 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 16.53% | 11.81% | 13.71% | 17.33% | Beats 71% | 28 / 98 | | |
| Total Risk-Based Capital Ratio | 17.43% | 11.81% | 14.13% | 17.45% | Beats 72% | 27 / 98 | | |
| Equity / Assets | 9.06% | 8.60% | 11.34% | 13.10% | Beats 28% | 71 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.85% | 57.09% | 69.84% | 82.47% | 27th pctl | 72 / 98 | | |
| Loans / Assets | 52.26% | 49.34% | 58.31% | 68.94% | 38th pctl | 61 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |