The First National Bank of Spearville: how it compares with its peers
Against 49 KS banks with half to twice its assets, The First National Bank of Spearville's strongest measure in Q2 2026 is efficiency ratio (44.10% vs. a 63.47% peer median). Its weakest relative measure is net interest margin (3.48% vs. 3.91%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.31% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 3.91% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.10% | 63.47% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.4M | $7.0M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.77% | 65.76% | Context |
What it means for lending operations
Its efficiency ratio of 44.10% is better than the 63.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank in Frankfort Frankfort, KS · $62M
- Elevate Bank, National Association Sedan, KS · $61M
- The Farmers State Bank of Bucklin, Kansas Bucklin, KS · $61M
- Farmers and Merchants Bank of Mound City, Kansas Mound City, KS · $65M
- Ford County State Bank Spearville, KS · $58M
- The City State Bank Fort Scott, KS · $58M
Questions about The First National Bank of Spearville
How big is The First National Bank of Spearville?
The First National Bank of Spearville, established in 1908, is headquartered in Spearville, KS. It reported $62M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Spearville's return on assets?
1.39% annualized in Q2 2026, against a 1.31% median for 49 KS banks with half to twice its assets, ahead of 63% of them.
What is The First National Bank of Spearville's efficiency ratio?
44.10% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 63.47%, and lower is better.
Is The First National Bank of Spearville growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 14.2%.
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.