First National Bank of Spearville: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.58 percentage points lower than in Q1 2026, at 59.70%. Within Kansas, First National Bank of Spearville is 101st of 182 on return on assets, 1.41% as of Q2 2026, below the middle of the field. First National Bank of Spearville reported 1.41% on return on assets for Q2 2026, 0.43 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.80% |
| Equity capital to assets | 13.11% |
| Tangible equity to tangible assets | 11.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 16.98% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 10.80% |
| Net interest margin | 3.82% |
| Efficiency ratio | 46.30% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.70% |
| Core deposits to total deposits | 96.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.35% |
| Securities to assets | 15.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.11% | 1.52% | 3.30% | 0.00% | 0.00% |
| Q4 2023 | 10.55% | 0.99% | 3.25% | 0.00% | 0.03% |
| Q1 2024 | 12.11% | 1.10% | 3.36% | 0.00% | 0.00% |
| Q2 2024 | 12.83% | 1.04% | 3.35% | 0.00% | 0.00% |
| Q3 2024 | 13.12% | 1.50% | 3.41% | 0.00% | 0.00% |
| Q4 2024 | 10.28% | 1.24% | 3.45% | 0.00% | 0.00% |
| Q1 2025 | 11.91% | 1.29% | 3.46% | 0.00% | 0.00% |
| Q2 2025 | 12.64% | 1.20% | 3.66% | 0.27% | 0.00% |
| Q3 2025 | 13.10% | 1.95% | 3.93% | 0.44% | 0.03% |
| Q4 2025 | 10.31% | 1.13% | 3.77% | 0.00% | 0.80% |
| Q1 2026 | 11.35% | 1.69% | 4.06% | 0.00% | -0.01% |
| Q2 2026 | 11.80% | 1.41% | 3.82% | 0.00% | 0.15% |
First National Bank of Spearville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Spearville, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Spearville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4774) · FFIEC NIC profile (RSSD 197254)