BanksFORD COUNTY STATE BANK

FORD COUNTY STATE BANK

SPEARVILLE, KSMicroEst. Jan. 1, 1902, midnightFDIC #12139RSSD #540850FDIC
Latest · 2025-12-31

FORD COUNTY STATE BANK is an 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%. CET1 capital ratio: 8.64%. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$61M
Deposits
$48M
Loans
$31M
Equity
$5M

Profitability

Return on Assets (ROA)0.71%
Return on Equity (ROE)8.38%
Net Interest Margin3.23%
Yield on Assets5.26%
Cost of Funds2.05%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.05%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.10%

Capital & Liquidity

CET1 Ratio8.64%
Tier 1 Capital8.64%
Total Capital Ratio9.08%
Leverage Ratio10.50%
Loan-to-Deposit63.35%

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