First National Bank of Spearville
Spearville, KS · Cert 4774 · Peer group: banks under $1B in assets in KS (n=98) · Spearville Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$62.1MAssets
$32.0MLoans
$53.6MDeposits
$8.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in KS (rank 5 of 98).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in KS (rank 94 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.54%
Rank 25 of 98
Net Interest Margin
3.54%
Rank 56 of 98
Efficiency Ratio
44.10%
Rank 5 of 98
Equity / Assets
13.11%
Rank 24 of 98
Non-interest income vs. expense
Unfavorable gap of $0.9M · efficiency ratio beats 96% 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 | 1.54% | 1.03% | 1.24% | 1.54% | Beats 74% | 25 / 98 | | |
| Return on Equity | 11.76% | 8.85% | 11.58% | 14.73% | Beats 55% | 44 / 98 | | |
| Net Interest Margin | 3.54% | 3.24% | 3.62% | 3.91% | Beats 43% | 56 / 98 | | |
| Efficiency Ratio | 44.10% | 51.87% | 58.88% | 64.74% | Beats 96% | 5 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.06% | 0.01% | 0.33% | 1.05% | Beats 5% | 94 / 98 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.03% | Beats 21% | 78 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.81% | 13.71% | 17.33% | Beats 23% | 75 / 98 | | |
| Total Risk-Based Capital Ratio | 11.80% | 11.81% | 14.13% | 17.45% | Beats 23% | 75 / 98 | | |
| Equity / Assets | 13.11% | 8.60% | 11.34% | 13.10% | Beats 76% | 24 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.70% | 57.09% | 69.84% | 82.47% | 35th pctl | 64 / 98 | | |
| Loans / Assets | 51.55% | 49.34% | 58.31% | 68.94% | 33rd pctl | 66 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |