FORD COUNTY STATE BANK

SPEARVILLE, KS | Micro | Est. Jan. 1, 1902, midnight | FDIC #12139 | RSSD #540850 | FDIC
Latest Report: 2025-12-31

FORD COUNTY STATE BANK is amn micro FDIC-insured commercial bank headquartered in SPEARVILLE, KS, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $61M and total deposits of $48M. Profitability stands at 0.71% ROA and 8.38% ROE, with a net interest margin of 3.23%. The bank's CET1 capital ratio is 8.64%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #12139.

Assets

$61M

Deposits

$48M

Loans

$31M

Equity

$5M

Profitability

Return on Assets (ROA) 0.71%
Return on Equity (ROE) 8.38%
Net Interest Margin (NIM) 3.23%
Yield on Assets 5.26%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 8.64%
Tier 1 Capital 8.64%
Total Capital Ratio 9.08%
Leverage Ratio 10.50%
Loan-to-Deposit 63.35%

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