FIRST NATIONAL BANK OF SPEARVILLE

Latest Report: 2025-12-31

FIRST NATIONAL BANK OF SPEARVILLE is amn micro FDIC-insured commercial bank headquartered in SPEARVILLE, KS, established in Feb. 18, 1908, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $78M. Profitability stands at 1.07% ROA and 9.54% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 7.02%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #4774.

Assets

$86M

Deposits

$78M

Loans

$34M

Equity

$8M

Profitability

Return on Assets (ROA) 1.07%

Return on Equity (ROE) 9.54%

Net Interest Margin (NIM) 3.53%

Yield on Assets 4.92%

Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio 0.19%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 7.02%

Tier 1 Capital 7.02%

Total Capital Ratio 7.37%

Leverage Ratio 10.31%

Loan-to-Deposit 43.61%

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