Bank Safety Analysis
Is Farmers Bank of Northern Missouri Safe? Unionville, Missouri
Based on its Q3 2026 call report, Farmers Bank of Northern Missouri meets the community bank leverage ratio test for well capitalized, its Texas ratio is 1.29%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers Bank of Northern Missouri safe?
On its Q3 2026 call report, Farmers Bank of Northern Missouri's Community Bank Leverage Ratio is 12.98%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 12.98%
- Texas ratio (Q3 2026): 1.29%
- Noncurrent loans ratio (Q3 2026): 0.23%
Farmers Bank of Northern Missouri is an FDIC-insured commercial bank (FDIC Certificate #4539). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers Bank of Northern Missouri (FDIC Certificate #4539) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Farmers Bank of Northern Missouri passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The largest change between Q2 2026 and Q3 2026 was in net interest margin, which rose 0.13 percentage points to 3.94%. Within Missouri, Farmers Bank of Northern Missouri is 47th of 191 on leverage ratio, 12.98% as of Q3 2026. Farmers Bank of Northern Missouri reported 12.98% on leverage ratio for Q3 2026, 1.90 points above the 11.09% median for banks in the $100M-1B asset tier. From Q4 2023 to Q3 2026, Farmers Bank of Northern Missouri's Texas ratio ranged between 0.83% (Q3 2024) and 2.00% (Q1 2024).
Between Q3 2025 and Q3 2026, Farmers Bank of Northern Missouri's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.21% to 0.23%, Texas ratio rose from 1.00% to 1.29% and return on assets rose from 1.51% to 1.53%.
By total assets at Q3 2026, Farmers Bank of Northern Missouri is the 65th largest of the 191 banks headquartered in Missouri. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Farmers Bank of Northern Missouri's community bank leverage ratio of 12.98% is above the 11.09% median, nonperforming loans ratio of 0.23% is below the 0.43% median, Texas ratio of 1.29% is below the 2.96% median, and efficiency ratio of 49.49% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Farmers Bank of Northern Missouri's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Farmers Bank of Northern Missouri score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Farmers Bank of Northern Missouri trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 1.29% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.23% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 72.24% | Within range |
| Commercial real estate to capital supervisory threshold | 22.61% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 1.29% |
| Q2 2026 | 1.39% |
| Q1 2026 | 1.05% |
| Q4 2025 | 0.84% |
| Q3 2025 | 1.00% |
| Q2 2025 | 1.02% |
| Q1 2025 | 1.17% |
| Q4 2024 | 1.01% |
| Q3 2024 | 0.83% |
| Q2 2024 | 1.04% |
| Q1 2024 | 2.00% |
| Q4 2023 | 1.75% |
How have Farmers Bank of Northern Missouri's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $549.9M | 12.98% | 0.23% | 1.29% | 49.49% |
| Jun 30, 2026 | $566.5M | 12.71% | 0.26% | 1.39% | 51.45% |
| Mar 31, 2026 | $568.6M | 12.50% | 0.21% | 1.05% | 55.95% |
| Dec 31, 2025 | $567.2M | 13.06% | 0.18% | 0.84% | 70.46% |
| Sep 30, 2025 | $539.8M | 13.16% | 0.21% | 1.00% | 51.34% |
| Jun 30, 2025 | $533.8M | 12.87% | 0.20% | 1.02% | 51.23% |
| Mar 31, 2025 | $533.4M | 12.55% | 0.23% | 1.17% | 61.54% |
| Dec 31, 2024 | $533.1M | 12.66% | 0.19% | 1.01% | 85.26% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers Bank of Northern Missouri FDIC insured?
Yes. Farmers Bank of Northern Missouri is an FDIC-insured commercial bank (FDIC Certificate #4539). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers Bank of Northern Missouri well capitalized?
On its Q3 2026 call report, Farmers Bank of Northern Missouri's Community Bank Leverage Ratio is 12.98%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Farmers Bank of Northern Missouri's key safety ratios?
For Q3 2026, Farmers Bank of Northern Missouri reports leverage 12.98%, Texas ratio 1.29%, noncurrent loans 0.23%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Farmers Bank of Northern Missouri fails?
For Q3 2026, Farmers Bank of Northern Missouri reported $467.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers Bank of Northern Missouri profile.
How we score this
Farmers Bank of Northern Missouri elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Farmers Bank of Northern Missouri is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 4539) · FFIEC NIC profile (RSSD 303952)
Explore: Full Farmers Bank of Northern Missouri profile · Other banks in MO · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.