BlastPoint's Banking Scorecard
The First National Bank of Spearville
Micro
Specialty: Agricultural
KS
FDIC cert 4774
Designations: ✓ Community bank
Spearville, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First National Bank of Spearville has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.38% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.9M
+9.3% YoY
+52.4% QoQ
|
-$131.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$33.5M
+14.2% YoY
+8.5% QoQ
|
-$105.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$77.9M
+9.8% YoY
+62.7% QoQ
|
-$105.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.22%
+11.8% YoY
-9.1% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.25%
+8.5% YoY
-2.9% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
48.34%
-12.1% YoY
+6.2% QoQ
|
-19.38% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.21%
-53.3% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
42.96%
+3.9% YoY
-33.3% QoQ
|
-31.56% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.88%
+22.1% YoY
-23.0% QoQ
|
-4.51% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.08%
-66.7% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.30%
-5.5% YoY
-2.2% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.34%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
42.96%
(Tier avg: 74.53%, National avg: 78.04%)
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
92
92th pctile
Efficiency Ratio
Current: 48.34% · Tier avg: 67.73%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.88% · Tier avg: 22.39%
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
21
21th pctile
Total Deposits
Current: $77.9M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
12
12th pctile
Total Loans
Current: $33.5M · Tier avg: $139.2M
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.96% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.96% · Tier avg: 74.53%
12
12th pctile
Total Loans
Current: $33.5M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $77.9M · Tier avg: $183.7M
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.88% · Tier avg: 22.39%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
92
92th pctile
Efficiency Ratio
Current: 48.34% · Tier avg: 67.73%