Question 1

What is Ford County State Bank?

Accepted Answer

Ford County State Bank is a community agricultural bank serving the rural Spearville area and greater Ford County in southwest Kansas. With approximately $61 million in total assets and a single office location, the bank specializes in agricultural lending while providing comprehensive banking services to farmers, ranchers, and residents in the Dodge City metropolitan area.

Operating as a state-chartered commercial bank under FDIC supervision, the institution maintains solid financial performance with a 0.66% return on assets and 8.76% return on equity. The bank's focus on agricultural specialization reflects the farming and ranching economy of its service area.

Question 2

When was Ford County State Bank founded?

Accepted Answer

Ford County State Bank was established on January 1, 1902, making it one of the oldest continuously operating banks in southwest Kansas with over 120 years of service. The bank was founded at the turn of the 20th century during a period of agricultural settlement and development in Ford County.

Throughout its long history, the bank has maintained its commitment to serving the agricultural community through multiple economic cycles, including the Dust Bowl era, agricultural recessions, and periods of farm prosperity. The bank became FDIC-insured on January 1, 1934, shortly after federal deposit insurance was established.

Question 3

Where is Ford County State Bank headquartered?

Accepted Answer

Ford County State Bank is headquartered at 322 N Main Street in Spearville, Kansas. Spearville is a small agricultural community located in Ford County in southwest Kansas, approximately 15 miles east of Dodge City.

The bank's Main Street location serves as both headquarters and the only branch office, providing convenient access for local customers in downtown Spearville.

Question 4

Where does Ford County State Bank operate?

Accepted Answer

Ford County State Bank operates from its single office in Spearville, serving Ford County and the Dodge City metropolitan statistical area. The bank focuses on the agricultural communities and rural areas of southwest Kansas, with particular emphasis on supporting wheat farming and cattle ranching operations.

While maintaining only one physical location, the bank extends its services throughout the region via its website and routing number 101105286 for electronic transactions. The bank serves customers across Ford County and surrounding agricultural areas.

Question 5

What services does Ford County State Bank offer?

Accepted Answer

Ford County State Bank offers comprehensive banking services tailored to agricultural customers and rural communities. Deposit products include checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts, all with competitive interest rates and terms.

Lending services emphasize agricultural loans supporting farming and ranching operations, along with consumer loans, commercial loans, and real estate financing. Digital banking services include online banking, bill pay, mobile deposit, electronic statements, and check reordering through the website.

Additional services include debit cards with after-hours support, direct deposit, automatic payments, wire transfers, safe deposit boxes, drive-up window service, and night depository facilities. The bank also provides various financial calculators on its website to help customers with planning and decision-making.

Question 6

What makes Ford County State Bank unique?

Accepted Answer

Ford County State Bank distinguishes itself through over 120 years of continuous service to the same agricultural community while remaining independently owned without holding company affiliation. This independence allows for purely local decision-making focused on the needs of Ford County farmers and businesses.

The bank's deep agricultural specialization and longevity have created multi-generational relationships with farming families in the area. Its understanding of agricultural economics, crop cycles, and the unique financial challenges of farming and ranching operations sets it apart from larger regional banks.

The bank combines traditional community banking values with modern conveniences like mobile deposit and online bill pay, maintaining personal service while providing technological tools that busy farmers need to manage their finances efficiently.

Question 7

What type of financial institution is Ford County State Bank?

Accepted Answer

Ford County State Bank is a state-chartered commercial bank with agricultural specialization, operating as a Fed nonmember bank under FDIC supervision. This charter type means the bank is organized under Kansas state banking laws rather than as a federally-chartered institution.

As a state-chartered commercial bank with agricultural specialization, the institution focuses on providing banking services specifically tailored to the needs of farmers, ranchers, and agricultural businesses. This classification reflects both its legal structure under Kansas banking regulations and its operational emphasis on serving the agricultural economy of southwest Kansas.

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About Ford County State Bank in the United States