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First National Bank of Spearville

Spearville, KS · Cert 4774 · Spearville Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$62.1MAssets
$32.0MLoans
$53.6MDeposits
$8.1MEquity
Loan mix
65%RE $12.6M24%C&I $4.7M11%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $41.6M22%Noninterest $12.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.44%, up 26 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 4.06% of loans (+379 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 11.80%, down 83 bps from a year ago.
  • Funding: loans stand at 59.70% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.44%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+16 bps YoY

Efficiency Ratio (quarter, annualized)

46.32%-601 bps YoY

Tier 1 Leverage Ratio

11.80%-83 bps YoY

NIM

4.82%Q2 ’244.84%Q2 ’254.79%Q2 ’26+9%+5%

Non-interest income vs. expense

1.78%Q2 ’241.78%Q2 ’251.64%Q2 ’26+4%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.19%1.09%1.18%1.95%1.07%1.45%1.44%+26 bps
Return on Equity10.30%10.50%9.71%8.52%13.57%9.54%13.27%10.80%+229 bps
Net Interest Margin3.10%3.16%3.06%3.30%3.57%3.46%3.58%3.46%+16 bps
Efficiency Ratio45.44%63.64%46.92%52.33%39.07%54.92%42.11%46.32%-601 bps
Non-Interest Burden1.01%1.78%1.27%1.62%0.88%1.65%1.26%1.51%-11 bps
Growth
Asset Growth (YoY)10.71%4.55%14.59%3.78%-0.44%9.28%2.52%12.63%+885 bps
Loan Growth (YoY)7.28%4.47%-1.45%-3.60%11.39%13.95%9.05%11.74%+1,534 bps
Deposit Growth (YoY)11.80%4.63%13.62%3.77%-1.29%9.83%4.96%14.17%+1,040 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.28%0.27%0.44%0.21%0.00%4.06%+379 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.03%0.74%-0.01%0.15%+15 bps
Allowance / Loans1.77%1.67%1.74%1.74%1.58%1.50%1.63%1.55%-19 bps
Allowance Coverage of NPLsn/an/a6.2x6.5x3.6x7.3xn/a0.4x-6.1x
Capital
Tier 1 Leverage Ratio13.12%10.28%11.91%12.64%13.10%10.31%11.35%11.80%-83 bps
Total Risk-Based Capital13.12%10.28%11.91%12.64%13.10%10.31%11.35%11.80%-83 bps
Equity / Assets13.75%9.58%13.53%14.29%14.46%9.15%13.56%13.11%-118 bps
Liquidity & Funding
Loans / Deposits57.99%42.04%59.94%60.99%65.44%43.61%62.28%59.70%-130 bps
Liquid Assets / Assets26.81%19.06%26.60%27.46%27.31%17.07%24.48%23.84%-362 bps
CRE / Total Capitaln/an/an/an/a67.10%69.03%64.97%n/an/a