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The First National Bank Of Spearville
Spearville, KS · FDIC Certificate #4774 · Chartered 02/1
Total assets
$62.12M
Total deposits
$53.64M
Total equity
$8.14M
Net loans
$31.52M
Branches (offices)
1
Net income (YTD)
$479.00K
Rank: #3,951 of 4,213 U.S. banks by assets · #155 of 183 in Kansas. Assets changed 12.6% and deposits 14.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 12.01% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 13.11% |
| Tier 1 leverage ratio | 11.80% |
| Uninsured deposits (share of deposits) | 22.1% |
| Noncurrent loans (share of loans) | 4.06% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 58.8% |
| Real estate loans (share of loans) | 41.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.91M | 41.0% | |
| Commercial & industrial | $4.86M | 15.4% | |
| Consumer / individual | $2.20M | 7.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $12.05M | 38.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $47.96M | $40.69M | $207.00K | $7.18M |
| Jun 2023 | $51.15M | $43.66M | $287.00K | $7.34M |
| Jun 2024 | $53.14M | $45.27M | $286.00K | $7.59M |
| Jun 2025 | $55.15M | $46.98M | $351.00K | $7.88M |
| Jun 2026 | $62.12M | $53.64M | $479.00K | $8.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $53.64M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $53.64M.
Similar-sized banks
First Bank Of Thomas ($63.19M) · Cedar Security Bank ($62.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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