FARMERS BANK OF NORTHERN MISSOURI
FARMERS BANK OF NORTHERN MISSOURI is an FDIC-insured commercial bank headquartered in UNIONVILLE, MO, established in 1901. As of , 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 3.58%. CET1 capital ratio: 11.09%, well above regulatory minimums. NPL ratio: 0.28% · Texas Ratio: 1.22%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Farmers Bank of Northern Missouri rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.09% | 0.80% | 0.28% | 1.22% | 3.58% |
| 2025-09-30 | 11.13% | 1.55% | 0.20% | 0.91% | 3.64% |
| 2025-06-30 | 10.32% | 1.36% | 0.20% | 0.96% | 3.59% |
| 2025-03-31 | 9.83% | 0.58% | 0.19% | 0.90% | 3.33% |
| 2024-12-31 | 9.39% | 0.40% | 0.19% | 0.95% | 3.14% |
| 2024-09-30 | 10.46% | 1.04% | 0.10% | 0.45% | 3.19% |
| 2024-06-30 | 9.41% | 1.07% | 0.20% | 0.97% | 3.01% |
| 2024-03-31 | 9.09% | 1.17% | 0.54% | 2.56% | 3.23% |
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Frequently asked about FARMERS BANK OF NORTHERN MISSOURI
What are Farmers Bank of Northern Missouri's total assets?
As of the Q4 2025 filing, Farmers Bank of Northern Missouri reported total assets of $567.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Bank of Northern Missouri headquartered?
Farmers Bank of Northern Missouri is headquartered in UNIONVILLE, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Bank of Northern Missouri founded?
Farmers Bank of Northern Missouri was established in 1901, per the FDIC institution directory.
Is Farmers Bank of Northern Missouri FDIC-insured?
Yes. Farmers Bank of Northern Missouri is an FDIC-insured commercial bank (FDIC Certificate #4539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank of Northern Missouri?
Farmers Bank of Northern Missouri's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers Bank of Northern Missouri's CET1 capital ratio?
Farmers Bank of Northern Missouri reported a Common Equity Tier 1 (CET1) capital ratio of 11.09% in its most recent quarterly filing — above regulatory minimums.
How many branches does Farmers Bank of Northern Missouri operate?
Farmers Bank of Northern Missouri operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Bank of Northern Missouri's Texas Ratio?
Farmers Bank of Northern Missouri's Texas Ratio is 1.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.