C
Ford County State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Ford County State Bank
Spearville, KS
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Rating C
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 3.90
Stability Index 4.20
Company Info Ford County State Bank
Spearville, KS
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FDIC Number 12139
Phone Number (620) 385-2616
Website www.fordcountystatebank.com
Asset Quality Ford County State Bank
Spearville, KS
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1-Year Asset Growth -4.49%
5-Year Asset Growth 6.16%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 1.97%
Non-Performing Loans to Loans 0.44%
Balance Sheet Ford County State Bank
Spearville, KS
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Total Assets 58.44M
Total Deposits 52.80M
Capital and Reserves Ford County State Bank
Spearville, KS
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Capital 5.30M
Leverage Ratio 11.17
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio 17.43
Liquidity Ford County State Bank
Spearville, KS
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Hot Money Ratio 23.00%
Liquidity Ratio 14.65%
Profitability Ford County State Bank
Spearville, KS
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5-Year Return on Average Assets 0.43%
Net Income 264.00K
Net Interest Spread 3.34%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 63.47%
Return on Assets 0.90%
Return on Equity 10.06%