The First National Bank of Spearville (FDIC certificate #4774) is based in Spearville, Kansas. Its Q2 2026 call report shows $62.1M in total assets and $53.6M in deposits and 1 office.
Based on its Q2 2026 filing, The First National Bank of Spearville scores 56/100, which we describe as moderate. That is higher than only 15% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 174th. Its strongest component is funding & liquidity (92/100; 59% loans-to-deposits, 22% uninsured), and its lowest is loan quality (0/100; 4.06%).
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
From Q2 2025 to Q2 2026, the score fell 26 points (82 → 56), mostly because the loan quality component weakened by 91 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 86 |
| Q4 2024 | 74 |
| Q1 2025 | 80 |
| Q2 2025 | 82 |
| Q3 2025 | 83 |
| Q4 2025 | 72 |
| Q1 2026 | 84 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.83% |
| Q3 2024 | 13.12% |
| Q4 2024 | 10.28% |
| Q1 2025 | 11.91% |
| Q2 2025 | 12.64% |
| Q3 2025 | 13.10% |
| Q4 2025 | 10.31% |
| Q1 2026 | 11.35% |
| Q2 2026 | 11.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.00% |
| Q2 2026 | 4.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $62.1M | 11.80% | 4.06% | 1.39% | 58.8% |
| Q1 2026 | 84 | $58.4M | 11.35% | 0.00% | 1.45% | 61.3% |
| Q4 2025 | 72 | $85.9M | 10.31% | 0.21% | 1.22% | 43.0% |
| Q3 2025 | 83 | $56.4M | 13.10% | 0.44% | 1.34% | 64.4% |
| Q2 2025 | 82 | $55.2M | 12.64% | 0.27% | 1.10% | 59.9% |
| Q1 2025 | 80 | $57.0M | 11.91% | 0.28% | 1.09% | 58.9% |
| Q4 2024 | 74 | $78.6M | 10.28% | 0.00% | 1.09% | 41.3% |
| Q3 2024 | 86 | $56.6M | 13.12% | 0.00% | 1.10% | 57.0% |
| Q2 2024 | 84 | $53.1M | 12.83% | 0.00% | 0.96% | 64.6% |
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 |
|---|---|---|---|---|---|
| First National Bank in FrankfortBank Frankfort, KS | 72 out of 100, Strong | $61.6M | 10.8% | 0.52% | vs |
| Elevate Bank, National AssociationBank Sedan, KS | 67 out of 100, Moderate | $61.0M | 11.2% | 0.69% | vs |
| The Farmers State Bank of Bucklin, KansasBank Bucklin, KS | 88 out of 100, Very strong | $60.8M | 12.9% | 0.00% | vs |
| Farmers and Merchants Bank of Mound City, KansasBank Mound City, KS | 64 out of 100, Moderate | $65.0M | 6.1% | 0.12% | vs |
| Ford County State BankBank Spearville, KS | 75 out of 100, Strong | $58.4M | 11.2% | 0.44% | vs |
| The City State BankBank Fort Scott, KS | 77 out of 100, Strong | $57.7M | 8.9% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Spearville?
Yes. The First National Bank of Spearville is an FDIC-insured institution (FDIC certificate #4774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.1% of deposits ($11.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The First National Bank of Spearville lists 1 office in 1 city. Most locations:
- Spearville, KS (1)
Identity & history
Profile
- Legal name
- The First National Bank of Spearville
- Type
- National bank
- FDIC certificate #
- 4774
- RSSD ID
- 197254
- Primary regulator
- OCC
- Holding company
- Spearville Bancshares Inc
- Established
- February 18, 1908
- Headquarters
- 303 N Main St, Spearville, KS 67876
- Website
- www.fnbspearville.com
- Employees
- 6
Quick answers
The First National Bank of Spearville: common questions
Is The First National Bank of Spearville FDIC insured?
Yes. The First National Bank of Spearville is an FDIC-insured institution (FDIC certificate #4774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Spearville's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Spearville ever failed?
There is no failure record for FDIC certificate #4774 in the FDIC failed bank list.
How many branches does The First National Bank of Spearville 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 |