Ford County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Ford County State Bank is an FDIC-insured commercial bank headquartered in Spearville, KS, established in 1902 (FDIC certificate 12139), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $58.4M, down 4.5% from Q2 2025, the 159th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 16.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12139
- Headquarters
- Spearville, KS
- Established
- 1902
- Total assets, Q2 2026
- $58.4M
- Assets vs Q2 2025
- -4.5%
- CET1 ratio, Q2 2026
- 16.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101105286
- Asset rank in state
- 159th of 182 in Kansas
Problem loans are rising at Ford County State Bank. The Spearville, Kansas bank had $58 million in assets at June 30, 2026, down 4.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.00% a year earlier. It grew deposits 9.7% over the year, 3.9 times the median of 2.5% for the 583 banks with less than $100 million in assets.
Earnings jumped: net income for the quarter was $143,000, 46% above the same quarter a year earlier. Over the same year, loans shrank 0.5% and deposits grew 9.7%. One more trend to watch: the commercial and industrial book ($8.3 million) is worsening: 7.31% of it is past due or on nonaccrual, up from 4.66% a year earlier.
As of June 30, 2026, Ford County State Bank reported a CET1 capital ratio of 16.53%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.39%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Ford County State Bank is the 159th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $58.4M, loans rose 3.8% and deposits fell 1.0%. Agricultural production loans made up 32.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 28.4%. The FDIC Summary of Deposits lists a single office for it, in Spearville, KS. On its Q2 2026 call report, Ford County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 322 N Main St, Spearville, KS 67876
- County
- Ford
- Metro Area
- Dodge City, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $52.8M
- Allowance for credit losses
- $351K
- Net charge-offs (YTD)
- $0
- Average total assets
- $58.1M
- Average total loans
- $30.5M
- Average interest-bearing deposits
- $44.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12139
- Fed RSSD
- 540850
- Website
- http://fordcountystatebank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Ford County State Bank's total assets ran between $50.4M (Q3 2023) and $61.2M (Q2 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$58.4M total assets against $61.2M; $53.1M total liabilities against $56.5M.
$30.2M net loans and leases against $30.4M; $52.8M total deposits against $48.1M.
$21.7M securities against $25.2M; $3.1M cash and balances due against $1.9M.
$709K total interest income against $718K; $219K total interest expense against $302K.
$490K net interest income against $416K.
$20K total noninterest income against $20K; $317K total noninterest expense against $287K.
$5K provision for credit losses against $0.
$143K net income against $98K.
0.98% return on assets against 0.65%; 3.45% net interest margin against 2.87%.
16.53% CET1 capital ratio against 15.69%; 11.17% tier 1 leverage ratio against 10.21%.
Inside the full Ford County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q3 2024) to 0.98% (Q2 2026) and its net interest margin ran from 2.39% (Q3 2024) to 3.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.53% | 0.98% | 0.44% | 2.39% | 3.45% |
| Q1 2026 | 16.78% | 0.82% | 0.07% | 0.40% | 3.23% |
| Q4 2025 | — | 0.71% | 0.00% | 0.00% | 3.30% |
| Q3 2025 | — | 0.52% | 0.23% | 1.31% | 3.01% |
| Q2 2025 | 15.69% | 0.65% | 0.00% | 0.00% | 2.87% |
| Q1 2025 | 16.39% | 0.84% | 0.00% | 0.00% | 2.91% |
| Q4 2024 | 16.03% | 0.62% | 0.00% | 0.00% | 2.97% |
| Q3 2024 | 17.17% | 0.24% | 0.27% | 1.50% | 2.39% |
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 |
|---|---|---|---|
| Ford County State Bank (main office) | Spearville , KS | 67876 | $52.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 190 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $172K approved, $86K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Ford County State Bank
What are Ford County State Bank's total assets?
As of the Q2 2026 filing, Ford County State Bank reported total assets of $58.4 million in its FFIEC call report.
Where is Ford County State Bank headquartered?
It is headquartered in Spearville, KS, United States.
When was Ford County State Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Ford County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12139). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ford County State Bank?
Ford County State Bank's primary federal regulator is the FDIC.
What is Ford County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ford County State Bank 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 Ford County State Bank's Texas Ratio?
Its Texas Ratio is 2.39% 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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