FARMERS BANK OF NORTHERN MISSOURI

UNIONVILLE, MO | Medium | Est. June 1, 1901, midnight | FDIC #4539 | RSSD #303952 | FED
Latest Report: 2025-12-31

FARMERS BANK OF NORTHERN MISSOURI is amn medium FDIC-insured commercial bank headquartered in UNIONVILLE, MO, established in June 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $567M and total deposits of $479M. Profitability stands at 0.80% ROA and 6.82% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 10.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.79%. FDIC Certificate #4539.

Assets

$567M

Deposits

$479M

Loans

$310M

Equity

$66M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 6.82%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.46%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.79%
NPA Ratio 0.10%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 10.50%
Tier 1 Capital 10.50%
Total Capital Ratio 11.02%
Leverage Ratio 13.06%
Loan-to-Deposit 64.83%

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