Ford County State Bank: how it compares with its peers
Against 48 KS banks with half to twice its assets, Ford County State Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $7.0M peer median). Its weakest relative measure is return on assets (0.89% vs. 1.32%).
| Measure | Ford County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 1.32% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 3.93% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.47% | 62.58% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $7.0M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.18% | 63.48% | Context |
What it means for lending operations
Its efficiency ratio of 63.47% is above the 62.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The City State Bank Fort Scott, KS · $58M
- The Farmers State Bank of Blue Mound Blue Mound, KS · $58M
- The Farmers State Bank of Bucklin, Kansas Bucklin, KS · $61M
- Elevate Bank, National Association Sedan, KS · $61M
- Swedish-American State Bank Courtland, KS · $55M
- First National Bank in Frankfort Frankfort, KS · $62M
Questions about Ford County State Bank
How big is Ford County State Bank?
Ford County State Bank, established in 1902, is headquartered in Spearville, KS. It reported $58M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Ford County State Bank's return on assets?
0.89% annualized in Q2 2026, against a 1.32% median for 48 KS banks with half to twice its assets, ahead of 15% of them.
What is Ford County State Bank's efficiency ratio?
63.47% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 62.58%, and lower is better.
Is Ford County State Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits grew 9.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.