🏦Bank Scorer

FORD COUNTY STATE BANK

SPEARVILLE, KS · Supervised by FDIC

Est. 1902FDIC #12,139RSSD: FDIC-12139
Satisfactory Same

Current rating · Exam: December 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.81%

Is this bank safe?

FORD COUNTY STATE BANK holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.81%).

Institution Profile

FDIC BankFind

Address

322 N Main St, SPEARVILLE, KS

County

Ford County

Established

January 1, 1902

Total Assets

$59M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$59M

Total Deposits

$53M

Net Loans

$29M

Net Income

$121K

ROA

0.81%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.24%

Risk-Based Capital

17.70%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.81%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.70%Peer avg: 23.03%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$48M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Dec 2025SatisfactorySmall Bank
Jan 2020SatisfactorySmall Bank
Apr 2014SatisfactorySmall Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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