BanksFIRST NATIONAL BANK OF SPEARVILLE

FIRST NATIONAL BANK OF SPEARVILLE

SPEARVILLE, KSMicroEst. Feb. 18, 1908, midnightFDIC #4774RSSD #197254OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF SPEARVILLE is an 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%. CET1 capital ratio: 8.10%. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$86M
Deposits
$78M
Loans
$34M
Equity
$8M

Profitability

Return on Assets (ROA)1.07%
Return on Equity (ROE)9.54%
Net Interest Margin3.53%
Yield on Assets4.92%
Cost of Funds1.46%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.19%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.50%

Capital & Liquidity

CET1 Ratio8.10%
Tier 1 Capital8.10%
Total Capital Ratio8.50%
Leverage Ratio10.31%
Loan-to-Deposit43.61%

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