# FORD COUNTY STATE BANK
SPEARVILLE, KS · FDIC certificate 12139 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $58.4M | |
| Deposits | $52.8M | |
| Loans and leases | $30.5M | |
| Total equity | $5.3M | |
| Loans / deposits | 57.18% (p27 of band) | 73.59% |
| Liquid assets / assets | 42.41% (p67 of band) | |
| Uninsured deposits / deposits | 16.93% (p39 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.17% (p42 of band) | 11.76% |
| Unrealized securities loss / equity | -30.02% (p13 of band) | -6.57% |
| AOCI / equity | -1.70% (p15 of band) | |
| ROA (annualized) | 0.89% (p34 of band) | 1.17% |
| Net interest margin | 3.45% (p27 of band) | 3.93% |
| Efficiency ratio | 63.47% (p44 of band) | |
| Noncurrent loans | 0.44% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 260.00% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $118,000 (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 | capital falling | noncurrent p90 |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 3 | capital falling, noncurrent p90 |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 4 |  | noncurrent p90 |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | reserve under noncurrent |
| 2017-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 1 |  | noncurrent p90 |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | uninsured deposits leaving |  |
| 2019-03 | 2 | capital falling | noncurrent p90, uninsured deposits leaving |
| 2019-06 | 2 | noncurrent p90 | capital falling |
| 2019-09 | 4 | losing money, charge-offs p90 |  |
| 2019-12 | 2 | capital falling | reserve under noncurrent, losing money, charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | charge-offs p90 | capital falling |
| 2020-09 | 1 |  | noncurrent p90 |
| 2020-12 | 2 | noncurrent p90 |  |
| 2021-03 | 4 | losing money, expense ratio p90, NIM <2.5% | noncurrent p90 |
| 2021-06 | 5 | capital falling |  |
| 2021-09 | 4 |  | capital falling |
| 2021-12 | 3 |  | losing money |
| 2022-03 | 6 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, losing money | charge-offs p90 |
| 2022-06 | 4 |  | capital falling, losing money |
| 2022-09 | 3 |  | expense ratio p90 |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  | expense ratio p90, assets shrinking |
| 2023-12 | 2 | capital falling | deposits shrinking |
| 2024-03 | 4 | losing money, expense ratio p90, NIM <2.5% | capital falling |
| 2024-06 | 1 |  | losing money, expense ratio p90, NIM <2.5% |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | securities losses >30% of equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-26 [Serena Tenbrink Obituary Mar 22, 2026 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE9aQThQWGdlWjZhYkhPbUNzRUgwZHFFakRTc2dpMERlb1E0UHFzenNRV196c2lwNkRpYmlFbXJIV0k1NjZncTJpU3JTOHFadll0N1NjcFhRSmg0Tm9RNlZsbE54QnZEVkJ3a1hoYXZFamh6SWc?oc=5) · Keithley Funeral Homes
- 2017-10-04 [Jim Feist Obituary Oct 4, 2017 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBuS0hqck41ZUVQSU1tWF9yd3BySzRXeXM4aUFkV2xpeWZEUFRHcFFFQTV5RkRoanJDWlFSQkUtVVlMSjZjMkJrOXF4b3NISi1yV053YS0wc3V0UHhZdzVqaHI4cw?oc=5) · Swaim Funeral Chapels
- 2011-01-20 [Feist Publications patriarch dies at 77 - Wichita Eagle](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBpNmRxMnp0djNRQ29TYUdGeHg1RWZWNTFTSDVvd1ZNWnhZT1NZWGVzVXRJOEp2MldHMFpzMjZkNHZEcmU1UnB0d3A5aURQZmI3YjBUWXZMSzI4WFFaNFlmT0xFSlB3WVXSAWdBVV95cUxOdHNnRV8zb3hFS0xob3FUMG1pN3VxSC16ZDAyZFFILWhVN3RELVAxNXRlRFBWcjFMVV8yTVdiMkhGR2gzdVlwd0JNYXI2YlhEOGtNYWtweGdEZ2FCYVZlT05KS2VIYmVB?oc=5) · Wichita Eagle
- 2023-08-04 [Chaten Patrick Tasset Obituary Aug 4, 2023 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiaEFVX3lxTE44TFhhLV9nc0FFRnI5d3IweU5Fand3ei1XazJfRGJFOFFIa1hvdzNtS2ptd21STlhwdDlQZ0RGSWlSN0ZhaWFOcjR5UnpWaGd5UmZVZFRkSnBYUTJvYW1BeEF0VHZJNkpz?oc=5) · Swaim Funeral Chapels
- 2017-11-22 [Rita Naab Obituary Nov 22, 2017 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5yem9lcEU0MEFLdVVTemdteExCckRkc2xHXzRQZUFkdWp2OUVLZ2V5T0d6RFlkVnpjZUxZdklHblBqbWYyTm9HS2l5Mmd2TUZtaEQ5ZmNPZGl1Y0V2VE5ZLUFYOA?oc=5) · Swaim Funeral Chapels

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12139 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "12139", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide