Ford County State Bank (FDIC certificate #12139) is based in Spearville, Kansas. Its Q2 2026 call report shows $58.4M in total assets and $52.8M in deposits and 1 office.
Based on its Q2 2026 filing, Ford County State Bank scores 75/100, which we describe as strong. That is higher than 54% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 96th. Its strongest component is funding & liquidity (98/100; 57% loans-to-deposits, 17% uninsured), and its lowest is earnings (56/100; 0.89%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 69 |
| Q4 2024 | 72 |
| Q1 2025 | 77 |
| Q2 2025 | 75 |
| Q3 2025 | 73 |
| Q4 2025 | 75 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.18% |
| Q3 2024 | 10.58% |
| Q4 2024 | 10.42% |
| Q1 2025 | 10.43% |
| Q2 2025 | 10.21% |
| Q3 2025 | 10.41% |
| Q4 2025 | 10.50% |
| Q1 2026 | 10.80% |
| Q2 2026 | 11.17% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $58.4M | 11.17% | 0.44% | 0.89% | 57.2% |
| Q1 2026 | 77 | $58.9M | 10.80% | 0.07% | 0.81% | 54.5% |
| Q4 2025 | 75 | $60.9M | 10.50% | 0.00% | 0.68% | 62.7% |
| Q3 2025 | 73 | $60.7M | 10.41% | 0.23% | 0.66% | 62.6% |
| Q2 2025 | 75 | $61.2M | 10.21% | 0.00% | 0.74% | 63.2% |
| Q1 2025 | 77 | $59.2M | 10.43% | 0.00% | 0.83% | 57.0% |
| Q4 2024 | 72 | $59.2M | 10.42% | 0.00% | 0.25% | 59.7% |
| Q3 2024 | 69 | $56.5M | 10.58% | 0.27% | 0.12% | 55.8% |
| Q2 2024 | 73 | $56.4M | 11.18% | 0.00% | 0.06% | 53.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The City State BankBank Fort Scott, KS | 77 out of 100, Strong | $57.7M | 8.9% | 0.00% | vs |
| The Farmers State Bank of Blue MoundBank Blue Mound, KS | 76 out of 100, Strong | $57.6M | 11.6% | 0.20% | vs |
| The Farmers State Bank of Bucklin, KansasBank Bucklin, KS | 88 out of 100, Very strong | $60.8M | 12.9% | 0.00% | vs |
| Elevate Bank, National AssociationBank Sedan, KS | 67 out of 100, Moderate | $61.0M | 11.2% | 0.69% | vs |
| Swedish-American State BankBank Courtland, KS | 83 out of 100, Strong | $55.5M | 13.8% | 0.93% | vs |
| First National Bank in FrankfortBank Frankfort, KS | 72 out of 100, Strong | $61.6M | 10.8% | 0.52% | vs |
Deposit insurance
Is my money safe at Ford County State Bank?
Yes. Ford County State Bank is an FDIC-insured institution (FDIC certificate #12139). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($8.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.43% (benchmark: 10%).
1 location
Branches
Ford County State Bank lists 1 office in 1 city. Most locations:
- Spearville, KS (1)
Identity & history
Profile
- Legal name
- Ford County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12139
- RSSD ID
- 540850
- Primary regulator
- FDIC
- Established
- January 1, 1902
- Headquarters
- 322 N Main St, Spearville, KS 67876
- Website
- fordcountystatebank.com
- Employees
- 7
Quick answers
Ford County State Bank: common questions
Is Ford County State Bank FDIC insured?
Yes. Ford County State Bank is an FDIC-insured institution (FDIC certificate #12139). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ford County State Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ford County State Bank ever failed?
There is no failure record for FDIC certificate #12139 in the FDIC failed bank list.
How many branches does Ford County State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spearville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| The Fidelity State Bank and Trust CompanyBank Dodge City, KS | 95 out of 100, Very strong | $194.8M | 23.6% | 0.31% | vs |
| Credit Union of Dodge CityCredit union Dodge City, KS | 89 out of 100, Very strong | $102.6M | 14.3% | 0.53% | vs |
| The Farmers State Bank of Bucklin, KansasBank Bucklin, KS | 88 out of 100, Very strong | $60.8M | 12.9% | 0.00% | vs |
| The Bank of ProtectionBank Protection, KS | 81 out of 100, Strong | $154.4M | 11.8% | 0.01% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |