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Ford County State Bank

Spearville, KS · Cert 12139

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.4MAssets
$30.5MLoans
$52.8MDeposits
$5.3MEquity
Loan mix
53%RE $10.1M44%C&I $8.3M3%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $44.6M16%Noninterest $8.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.98%, up 32 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.44% of loans (+44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.17%, up 96 bps from a year ago.
  • Funding: loans stand at 57.85% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.98%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+63 bps YoY

Efficiency Ratio (quarter, annualized)

62.16%-367 bps YoY

Tier 1 Leverage Ratio

11.17%+96 bps YoY

NIM

4.28%Q2 ’244.74%Q2 ’254.88%Q2 ’26+14%+23%

Non-interest income vs. expense

2.19%Q2 ’241.90%Q2 ’252.18%Q2 ’26-15%+16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.62%0.83%0.65%0.51%0.71%0.81%0.98%+32 bps
Return on Equity3.24%8.40%11.59%8.60%6.43%8.38%9.24%10.89%+229 bps
Net Interest Margin2.31%2.65%2.85%2.75%2.75%2.98%3.11%3.37%+63 bps
Efficiency Ratio87.61%72.93%68.04%65.83%71.82%67.09%64.86%62.16%-367 bps
Non-Interest Burden2.01%1.90%1.89%1.76%1.93%1.95%1.96%2.05%+28 bps
Growth
Asset Growth (YoY)11.91%11.71%12.77%8.49%7.56%2.98%-0.57%-4.49%-1,298 bps
Loan Growth (YoY)17.39%30.44%28.10%20.48%17.87%6.83%3.42%-0.54%-2,102 bps
Deposit Growth (YoY)1.36%0.22%1.66%1.26%5.33%1.74%7.95%9.69%+842 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.00%0.00%0.00%0.23%0.00%0.07%0.44%+44 bps
Net Charge-Offs / Loans0.08%0.00%0.00%0.14%0.07%-0.01%0.00%0.00%-14 bps
Allowance / Loans1.20%1.08%1.09%0.98%1.03%1.10%1.18%1.15%+17 bps
Allowance Coverage of NPLs4.4xn/an/an/a4.5xn/a15.7x2.6xn/a
Capital
Tier 1 Leverage Ratio10.58%10.42%10.43%10.21%10.41%10.50%10.80%11.17%+96 bps
Total Risk-Based Capital18.07%16.85%17.23%16.45%10.41%10.50%17.70%17.43%+98 bps
Equity / Assets7.85%6.83%7.52%7.62%8.30%8.64%8.85%9.06%+144 bps
Liquidity & Funding
Loans / Deposits56.50%60.33%57.60%63.80%63.23%63.35%55.18%57.85%-595 bps
Liquid Assets / Assets0.87%0.83%0.83%0.80%0.81%0.80%0.83%0.84%+4 bps
CRE / Total Capitaln/an/an/an/a40.56%39.22%39.40%n/an/a