Ford County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ford County State Bank of Spearville, KS against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 3.13% | -2.15% | 47th below |
| ROAE | 10.89% | 10.30% | +0.59% | 63rd above |
| Net Interest Margin | 3.45% | 3.94% | -0.49% | 29th below |
| Efficiency Ratio | 61.96% | 76.34% | -14.38% | 67th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.33% | 1.40% | -0.07% | 55th above |
| Yield on Earning Assets | 4.99% | 5.35% | -0.36% | 40th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.64% | 1.70% | -0.06% | 45th below |
| Net Interest Spread | 3.03% | 3.32% | -0.29% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.44% | 1.34% | -0.90% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.23% | 0.71% | -0.48% | 44th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.15% | 1.49% | -0.34% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 260.00% | 866.62% | -606.62% | 65th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.39% | 8.27% | -5.88% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.53% | 62.33% | -45.80% | 30th below |
| Tier 1 Ratio | 16.53% | 62.33% | -45.80% | 30th below |
| Total Capital Ratio | 17.43% | 63.30% | -45.87% | 30th below |
| Leverage Ratio | 11.17% | 17.65% | -6.48% | 30th below |
| Equity / Assets | 9.06% | 16.46% | -7.40% | 18th bottom |
| TCE / Tangible Assets | 9.06% | 16.20% | -7.14% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.85% | 72.86% | -15.01% | 62nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.76% | 88.27% | +1.49% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.49% | 4.27% | -8.76% | 13th bottom |
| Loan Growth (Y/Y) | -0.54% | 6.76% | -7.30% | 38th below |
| Deposit Growth (Y/Y) | 9.69% | 3.71% | +5.98% | 84th top |
See Ford County State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ford County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ford County State Bank profile, how to read a UBPR, or how this data updates.