FIRST INDEPENDENT BANK

AURORA, MO | Small | Est. Jan. 1, 1906, midnight | FDIC #18380 | RSSD #366658 | FDIC
Latest Report: 2025-12-31

FIRST INDEPENDENT BANK is asn small FDIC-insured commercial bank headquartered in AURORA, MO, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $139M and total deposits of $124M. Profitability stands at 0.36% ROA and 3.29% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 5.28%. FDIC Certificate #18380.

Assets

$139M

Deposits

$124M

Loans

$74M

Equity

$15M

Profitability

Return on Assets (ROA) 0.36%
Return on Equity (ROE) 3.29%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.84%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.10%
Texas Ratio 5.28%
NPA Ratio 0.62%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 11.55%
Leverage Ratio 11.51%
Loan-to-Deposit 60.16%

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