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Ford County State Bank
Spearville, KS · FDIC Certificate #12139 · Chartered 01/0
Total assets
$58.44M
Total deposits
$52.80M
Total equity
$5.30M
Net loans
$30.19M
Branches (offices)
1
Net income (YTD)
$264.00K
Rank: #3,973 of 4,213 U.S. banks by assets · #159 of 183 in Kansas. Assets changed -4.5% and deposits 9.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 10.04% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 9.06% |
| Tier 1 leverage ratio | 11.17% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 57.2% |
| Real estate loans (share of loans) | 39.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $11.77M | 39.0% | |
| Commercial & industrial | $8.26M | 27.4% | |
| Consumer / individual | $530.00K | 1.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $9.98M | 33.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $54.35M | $50.48M | $15.00K | $3.60M |
| Jun 2023 | $50.06M | $45.74M | $43.00K | $3.29M |
| Jun 2024 | $56.41M | $47.54M | $16.00K | $3.72M |
| Jun 2025 | $61.19M | $48.14M | $221.00K | $4.67M |
| Jun 2026 | $58.44M | $52.80M | $264.00K | $5.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $52.80M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $52.80M.
Similar-sized banks
Bank Of Clarks ($58.45M) · Grant County Bank ($58.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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