BlastPoint's Banking Scorecard
Ford County State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 12139
Designations: ✓ Community bank
Spearville, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Ford County State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.9M
+3.0% YoY
+0.3% QoQ
|
-$156.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$30.3M
+6.8% YoY
+0.3% QoQ
|
-$108.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$48.4M
+1.7% YoY
+0.1% QoQ
|
-$135.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.68%
+171.7% YoY
+1.8% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.04%
+16.6% YoY
+2.0% QoQ
|
-0.81% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
68.16%
-22.4% YoY
-0.6% QoQ
|
+0.44% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
62.65%
+5.0% YoY
+0.1% QoQ
|
-11.87% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
14.49%
-6.5% YoY
-1.5% QoQ
|
-7.91% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
+21.7% YoY
+35.0% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.65% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Efficiency Ratio
Current: 68.16% · Tier avg: 67.73%
26
26th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.49% · Tier avg: 22.39%
18
18th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
11
11th pctile
Total Loans
Current: $30.3M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $60.9M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.4M · Tier avg: $183.7M
Top Weaknesses
10
10th pctile
Total Deposits
Current: $48.4M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.9M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $30.3M · Tier avg: $139.2M
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.85%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.49% · Tier avg: 22.39%
26
26th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
45
45th pctile
Efficiency Ratio
Current: 68.16% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.65% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%