BlastPoint's Banking Scorecard
Ford County State Bank
Designations: ✓ Community bank
Spearville, KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +9.7% year over year ($52.8M on the books).
- Delinquency rate 0.45%.
- Return on assets 0.89%.
- Efficiency ratio 63.47% vs a 119.40% peer average.
- Loan-to-deposit ratio 57.18% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ford County State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 55.92% below tier average
- + Delinquency Rate 1.03% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Net Interest Margin 0.46% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.4M
-4.5% YoY
-0.7% QoQ
|
-$4.0M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$30.2M
-0.7% YoY
+3.8% QoQ
|
-$4.7M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$52.8M
+9.7% YoY
-1.0% QoQ
|
+$1.2M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.89%
+20.3% YoY
+10.0% QoQ
|
-0.11% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.45%
+14.7% YoY
+4.0% QoQ
|
-0.46% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
63.47%
-5.2% YoY
-2.1% QoQ
|
-55.92% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.45%
+491.0% QoQ
|
-1.03% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
57.18%
-9.5% YoY
+4.9% QoQ
|
-17.03% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
15.55%
+10.3% YoY
-4.5% QoQ
|
-7.94% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.23%
+517.9% QoQ
|
-0.61% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
16.53%
+5.4% YoY
-1.5% QoQ
|
-10.59% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.08%
+9.7% YoY
+84.6% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
29% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
+1.5pp YoY -0.7pp QoQ |
-9.1pp | 24.6% | 22.3% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.4%
-1.5pp YoY -1.3pp QoQ |
+14.0pp | 13.4% | 12.6% | 12.5% | 88% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
2.1%
+0.1pp YoY +0.3pp QoQ |
-32.9pp | 35.0% | 26.7% | 31.3% | 9% |
| Consumer |
1.8%
-0.8pp YoY 0.0pp QoQ |
-5.9pp | 7.7% | 4.6% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+0.8pp YoY -0.2pp QoQ |
-22.2pp | 38.7% | 23.3% | 19.7% | 32% |
| Leverage Ratio |
11.2%
+1.0pp YoY +0.4pp QoQ |
-6.5pp | 17.7% | 12.6% | 12.6% | 31% |
| Total Capital Ratio |
17.4%
+1.0pp YoY -0.3pp QoQ |
-22.2pp | 39.7% | 24.4% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 70 | 482 | 20% |
| Assets per Employee ($) |
$8.3M
-4.5% YoY -0.7% QoQ |
+$2.2M | $6.2M | $7.1M | $8.8M | 83% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.4pp QoQ |
-1.3pp | 1.7% | 0.8% | 1.0% | 37% |
| Allowance Coverage |
2.60x
-83.5% QoQ |
-3.81x | 6.41x | 22.44x | 20.23x | 67% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
0.0pp YoY +0.8pp QoQ |
+3.6pp | 6.4% | 14.3% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.7%
-0.4pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 65% |
| Net Income ($, YTD) |
$264,000
+19.5% YoY — QoQ |
-$54K | $317,817 | $3.7M | $40.4M | 46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.