Bank · FDIC insured
First National Bank
A $62.1M bank headquartered in Spearville, KS, with 1 branch in Kansas. Best rates: savings 0.02% APY.
First National Bank Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#3 of 3 in Dodge City, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank
- Headquarters
- 303 N Main St, Spearville, KS 67876
- FDIC certificate
- 4774 ↗
Branches
1 branch in Kansas
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Kansas
1 branch
- The First National Bank of SpearvilleMain office303 N Main St, Spearville, KS 67876Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.80% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 4.06% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 1.39% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $60 | $67 | — |
- CapitalLeverage ratio11.80%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent4.06%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$60Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.