Side-by-side · Q2 2026 data
The First National Bank of Spearville vs Ford County State Bank
Metric by metric
| Measure | The First National Bank of Spearville | Ford County State Bank |
|---|---|---|
| TellerScore | 56 | 75 (stronger) |
| Capital cushion | 68 (stronger) | 62 |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 76 (stronger) | 56 |
| Funding & liquidity | 92 | 98 (stronger) |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 15th | 54th |
| Total assets | $62.1M | $58.4M |
| Deposits / shares | $53.6M | $52.8M |
| Capital ratio | 11.80% (stronger) | 11.17% |
| Problem loans | 4.06% | 0.44% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.39% (stronger) | 0.89% |
| Loans ÷ deposits | 58.8% | 57.2% (stronger) |
| Uninsured deposits | 22.1% | 16.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ford County State Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Spearville leads on 2 and Ford County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spearville, KS