PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 0.89%, up 15 bps year over year; NIM at 3.26%.
  • 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 (YTD, annualized)

0.89%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+51 bps YoY

Efficiency Ratio (YTD, annualized)

63.47%-346 bps YoY

Tier 1 Leverage Ratio

11.17%+96 bps YoY

NIM

4.09%Q2 ’244.66%Q2 ’254.82%Q2 ’26+18%+19%

Non-interest income vs. expense

2.40%Q2 ’241.93%Q2 ’252.17%Q2 ’26-21%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.25%0.83%0.74%0.66%0.68%0.81%0.89%+15 bps
Return on Equity1.70%3.55%11.59%10.08%8.76%8.67%9.24%10.04%-4 bps
Net Interest Margin2.23%2.29%2.85%2.75%2.76%2.80%3.11%3.26%+51 bps
Efficiency Ratio93.93%87.90%68.04%66.93%68.55%68.16%64.86%63.47%-346 bps
Non-Interest Burden2.09%2.00%1.89%1.79%1.85%1.86%1.96%2.01%+22 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 / Loans-0.04%-0.02%0.00%0.07%0.07%0.05%0.00%0.00%-7 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