First National Bank of Spearville
Also written as FNB of Spearville
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Spearville is an FDIC-insured commercial bank headquartered in Spearville, KS, supervised by the OCC, with $62.1M in total assets at Q2 2026, up 12.6% from Q2 2025, the 155th largest of 182 banks headquartered in Kansas. It was established in 1908 and holds FDIC certificate 4774. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4774
- Headquarters
- Spearville, KS
- Established
- 1908
- Total assets, Q2 2026
- $62.1M
- Assets vs Q2 2025
- +12.6%
- Tier 1 leverage ratio, Q2 2026
- 11.80%
- Domestic offices
- 1 · First National Bank of Spearville branches FDIC institution directory, current count
- Routing number
- 101105299
- Safety and soundness
- Is First National Bank of Spearville safe?
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank of Spearville Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- SPEARVILLE BANCSHARES, INC.
- Asset rank in state
- 155th of 182 in Kansas
Problem loans are rising at First National Bank of Spearville. It reported $62 million in assets at June 30, 2026, up 12.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.06% of loans from 0.27% a year earlier. It spends about 46 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 69 cents). On the other hand, it carries problem assets equal to 17.0% of the capital and reserves that would absorb them, 8.8 times the median of 1.9% for banks its size.
The commercial and industrial book ($4.9 million) is worsening: 26.74% of it is past due or on nonaccrual, up from 1.49% a year earlier. Earnings jumped: net income for the quarter was $217,000, 31% above the same quarter a year earlier.
As of June 30, 2026, First National Bank of Spearville reported a return on assets of 1.41%, a nonperforming-loan ratio of 4.06% and a Texas ratio of 16.98%. The figures come from its call report filed with the FFIEC.
First National Bank of Spearville ranks as the 155th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.3% to $62.1M, loans rose 2.4% and deposits rose 6.9%. Agricultural production loans made up 37.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 25.0%. The FDIC Summary of Deposits lists a single office for it, in Spearville, KS. Judged on its Q2 2026 call report, First National Bank of Spearville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 303 N Main St, Spearville, KS 67876
- County
- Ford
- Metro Area
- Dodge City, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 18, 1908
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $53.6M
- Allowance for credit losses
- $497K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $61.6M
- Average total loans
- $32.0M
- Average interest-bearing deposits
- $36.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4774
- Fed RSSD
- 197254
- Website
- www.fnbspearville.com →
- Parent Holding Company
- SPEARVILLE BANCSHARES, INC. (RSSD 3391642)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank of Spearville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Spearville's total assets ran between $49.7M (Q1 2024) and $85.9M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$62.1M total assets against $55.2M; $54.0M total liabilities against $47.3M.
$31.5M net loans and leases against $28.2M; $53.6M total deposits against $47.0M.
$9.5M securities against $9.3M; $17.2M cash and balances due against $14.0M.
$739K total interest income against $672K; $214K total interest expense against $222K.
$525K net interest income against $450K.
$19K total noninterest income against $22K; $252K total noninterest expense against $247K.
$0 provision for credit losses against $0.
$217K net income against $166K.
1.41% return on assets against 1.20%; 3.82% net interest margin against 3.66%.
11.80% tier 1 leverage ratio against 12.64%.
Inside the full First National Bank of Spearville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First National Bank of Spearville rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q4 2025) to 1.95% (Q3 2025) and its net interest margin ran from 3.41% (Q3 2024) to 4.06% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.41% | 4.06% | 16.98% | 3.82% |
| Q1 2026 | 11.35% | 1.69% | 0.00% | 0.00% | 4.06% |
| Q4 2025 | 10.31% | 1.13% | 0.21% | 0.95% | 3.77% |
| Q3 2025 | 13.10% | 1.95% | 0.44% | 1.80% | 3.93% |
| Q2 2025 | 12.64% | 1.20% | 0.27% | 1.04% | 3.66% |
| Q1 2025 | 11.91% | 1.29% | 0.28% | 1.11% | 3.46% |
| Q4 2024 | 10.28% | 1.24% | 0.00% | 0.00% | 3.45% |
| Q3 2024 | 13.12% | 1.50% | 0.00% | 0.00% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Spearville | Spearville , KS | 67876 | $53.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 189 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of Spearville
What are First National Bank of Spearville's total assets?
As of the Q2 2026 filing, First National Bank of Spearville reported total assets of $62.1 million in its FFIEC call report.
Where is First National Bank of Spearville headquartered?
It is headquartered in Spearville, KS, United States.
When was First National Bank of Spearville founded?
It was established in 1908, per the FDIC institution directory.
Is First National Bank of Spearville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Spearville?
First National Bank of Spearville's primary federal regulator is the OCC.
How many branches does First National Bank of Spearville operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Spearville's Texas Ratio?
Its Texas Ratio is 16.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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