Farmers Bank of Northern Missouri
Farmers Bank of Northern Missouri is an FDIC-insured commercial bank headquartered in Unionville, MO, supervised by the Federal Reserve, with $549.9M in total assets at Q3 2026, up 1.9% from Q3 2025, the 65th largest of 191 banks headquartered in Missouri. It was established in 1901 and holds FDIC certificate 4539. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.98% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4539
- Headquarters
- Unionville, MO
- Established
- 1901
- Total assets, Q3 2026
- $549.9M
- Assets vs Q3 2025
- +1.9%
- Tier 1 leverage ratio, Q3 2026
- 12.98%
- Domestic offices
- 10 branches
- Routing number
- 101903336
- Safety and soundness
- Is Farmers Bank of Northern Missouri safe?
- Latest call report
- Q3 2026, FFIEC 051 · Farmers Bank of Northern Missouri call report
- Holding company
- HARRISON COUNTY BANCSHARES, INC.
- Asset rank in state
- 65th of 191 in Missouri
Farmers Bank of Northern Missouri, based in Unionville, Missouri, reported $550 million in assets at September 30, 2026, up 1.9% from a year earlier. It holds commercial real estate loans equal to only 23% of its capital, a small fraction of the median of 1.2 times for the 2,624 banks with $100 million to $1 billion in assets. It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 12.4% and deposits rose 2.9%. Unrealized losses on its securities total $23 million, equal to 31% of Tier 1 capital, against 23% a year earlier.
As of September 30, 2026, Farmers Bank of Northern Missouri reported a return on assets of 1.53%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Farmers Bank of Northern Missouri is the 65th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 2.9% to $549.9M, loans rose 2.4% and deposits fell 2.3%. Farmland and other real estate loans made up 43.2% of its total loans on September 30, 2026, its largest category; next came agricultural production loans at 19.7%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Gallatin office books 21% of its branch deposits. By the capital ratios in its Q3 2026 call report, Farmers Bank of Northern Missouri meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1604 Main St, Unionville, MO 63565
- County
- Putnam
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1901
- Former names
- Farmers Bank of Northern Missouri, National Association (2000-2011)
- Domestic offices
- 10 branches
- Employees (FTE)
- 94
- Domestic deposits
- $467.4M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $569.6M
- Average total loans
- $333.4M
- Average interest-bearing deposits
- $331.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4539
- Fed RSSD
- 303952
- Website
- www.onlinefarmersbank.com →
- Parent Holding Company
- HARRISON COUNTY BANCSHARES, INC. (RSSD 1067215)
- Ultimate Parent
- NORTHERN MISSOURI BANCSHARES, INC. (RSSD 1249495)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Farmers Bank of Northern Missouri: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Farmers Bank of Northern Missouri reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Farmers Bank of Northern Missouri's total assets ranged from $507.5M (Q2 2024) to $568.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$549.9M total assets against $539.8M; $489.8M total liabilities against $476.4M.
$333.5M net loans and leases against $296.7M; $467.4M total deposits against $454.0M.
$169.1M securities against $174.9M; $13.0M cash and balances due against $36.3M.
$7.3M total interest income against $6.9M; $2.0M total interest expense against $2.1M.
$5.2M net interest income against $4.7M.
$643K total noninterest income against $840K; $3.0M total noninterest expense against $2.9M.
$137K provision for credit losses against $73K.
$2.2M net income against $2.1M.
1.53% return on assets against 1.51%; 3.94% net interest margin against 3.69%.
12.98% tier 1 leverage ratio against 13.16%.
Inside the full Farmers Bank of Northern Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Bank of Northern Missouri rankings
Its closest position to the top of a national ranking is 756 of 3,624, for efficiency ratio; its furthest is 2,586 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.39% (Q4 2024) to 1.53% (Q3 2026) and its net interest margin ran from 3.19% (Q4 2024) to 3.94% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.98% | 1.53% | 0.23% | 1.29% | 3.94% |
| Q2 2026 | 12.71% | 1.46% | 0.26% | 1.39% | 3.81% |
| Q1 2026 | 12.50% | 1.07% | 0.21% | 1.05% | 3.63% |
| Q4 2025 | 13.06% | 0.78% | 0.18% | 0.84% | 3.65% |
| Q3 2025 | 13.16% | 1.51% | 0.21% | 1.00% | 3.69% |
| Q2 2025 | 12.87% | 1.32% | 0.20% | 1.02% | 3.63% |
| Q1 2025 | 12.55% | 0.56% | 0.23% | 1.17% | 3.38% |
| Q4 2024 | 12.66% | 0.39% | 0.19% | 1.01% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gallatin Branch | Gallatin , MO | 64640 | $100.9M |
| Trenton Branch | Trenton , MO | 64683 | $91.4M |
| Farmers Bank of Northern Missouri (main office) | Unionville , MO | 63565 | $86.2M |
| Bethany Branch | Bethany , MO | 64424 | $69.3M |
| Mercer Branch | Mercer , MO | 64661 | $59.9M |
| Farmers Bank of Northern Missouri (main office) | Leon , IA | 50144 | $33.1M |
| Centerville Branch | Centerville , IA | 52544 | $28.3M |
| Corydon Branch | Corydon , IA | 50060 | $9.4M |
| Princeton Branch | Princeton , MO | 64673 | $0 |
| Jamesport Branch | Jamesport , MO | 64648 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 16, 2018 | Structure Change | Acquired Farmers Real Estate Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 2016 | Structure Change | Acquired Flowers National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2000 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 19, 1994 | Structure Change | Acquired The First National Bank of Bethany Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action April 6, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MO, rank 91 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q3 2026 filing, Farmers Bank of Northern Missouri reported total assets of $549.9 million in its FFIEC call report.
Where is Farmers Bank of Northern Missouri headquartered?
It is headquartered in Unionville, MO, United States.
When was Farmers Bank of Northern Missouri founded?
It was established in 1901, per the FDIC institution directory.
Is Farmers Bank of Northern Missouri FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Farmers Bank of Northern Missouri operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank of Northern Missouri's Texas Ratio?
Its Texas Ratio is 1.29% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Farmers Bank of Northern Missouri previously called?
The charter now named Farmers Bank of Northern Missouri has also operated as Farmers Bank of Northern Missouri, National Association (2000-2011), per FDIC structure-change records.
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