INDEPENDENT FARMERS BANK

MAYSVILLE, MO | Small | Est. March 12, 1920, midnight | FDIC #11462 | RSSD #956152 | FDIC
Latest Report: 2025-12-31

INDEPENDENT FARMERS BANK is asn small FDIC-insured commercial bank headquartered in MAYSVILLE, MO, established in March 12, 1920, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $138M. Profitability stands at 1.11% ROA and 14.51% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 17.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 2.16%. FDIC Certificate #11462.

Assets

$150M

Deposits

$138M

Loans

$80M

Equity

$11M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 14.51%
Net Interest Margin (NIM) 4.26%
Yield on Assets 5.68%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.27%
Texas Ratio 2.16%
NPA Ratio 0.17%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 17.01%
Tier 1 Capital 17.01%
Total Capital Ratio 18.06%
Leverage Ratio 10.27%
Loan-to-Deposit 58.31%

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