Farmers Bank of Northern Missouri: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 57.53 percentage points lower than in Q1 2026, at 375.24%. Farmers Bank of Northern Missouri ranks 95th of 192 Missouri banks on return on assets, in the upper half at 1.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Bank of Northern Missouri sits 0.21 points higher, at 1.46% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.71% |
| Equity capital to assets | 11.61% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.72% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 375.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 13.00% |
| Net interest margin | 3.81% |
| Efficiency ratio | 51.45% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.91% |
| Core deposits to total deposits | 93.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.45% |
| Securities to assets | 31.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.50% | 1.26% | 3.16% | 0.47% | 0.01% |
| Q4 2023 | 12.36% | 0.70% | 3.24% | 0.50% | 0.15% |
| Q1 2024 | 12.46% | 1.14% | 3.30% | 0.54% | -0.12% |
| Q2 2024 | 12.57% | 1.03% | 3.08% | 0.20% | 0.61% |
| Q3 2024 | 12.91% | 1.01% | 3.26% | 0.10% | 0.02% |
| Q4 2024 | 12.66% | 0.39% | 3.19% | 0.19% | 0.27% |
| Q1 2025 | 12.55% | 0.56% | 3.38% | 0.19% | 0.02% |
| Q2 2025 | 12.87% | 1.32% | 3.63% | 0.20% | 0.01% |
| Q3 2025 | 13.16% | 1.51% | 3.69% | 0.20% | 0.02% |
| Q4 2025 | 13.06% | 0.78% | 3.65% | 0.28% | 0.01% |
| Q1 2026 | 12.50% | 1.07% | 3.63% | 0.28% | 0.04% |
| Q2 2026 | 12.71% | 1.46% | 3.81% | 0.32% | 0.00% |
Farmers Bank of Northern Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank of Northern Missouri, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Bank of Northern Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4539) · FFIEC NIC profile (RSSD 303952)