First Independent Bank (Aurora, MO)
BankRegReports is independent of First Independent Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Independent Bank is an FDIC-insured commercial bank headquartered in Aurora, MO, established in 1906 (FDIC certificate 18380), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $147.6M, up 5.7% from Q2 2025, the 142nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18380
- Headquarters
- Aurora, MO
- Established
- 1906
- Total assets, Q2 2026
- $147.6M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 11.63%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081508217
- Latest call report
- Q2 2026, FFIEC 051 · First Independent Bank call report
- Holding company
- FIRST INDEPENDENT BANCSHARES, INC.
- Asset rank in state
- 142nd of 191 in Missouri
Problem loans are falling at First Independent Bank. It reported $148 million in assets at June 30, 2026, up 5.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 1.00% of loans from 1.40% a year earlier. It holds commercial real estate loans worth 0.5 times its capital, about half the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Its $9.5 million commercial and industrial book is improving, with 5.64% past due or on nonaccrual, down from 8.24% a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.3% and deposits rose 5.2%.
As of June 30, 2026, First Independent Bank reported a return on assets of 1.21%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 5.93%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, First Independent Bank is the 142nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $147.6M, loans fell 0.5% and deposits rose 3.7%. 1-4 family residential loans made up 47.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 12.9%. The FDIC Summary of Deposits lists a single office for it, in Aurora, MO. Judged on its Q2 2026 call report, First Independent Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 S Elliott Ave, Aurora, MO 65605
- County
- Lawrence
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $131.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $37K
- Average total assets
- $146.1M
- Average total loans
- $74.4M
- Average interest-bearing deposits
- $97.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 4, 1961
- FDIC Cert
- 18380
- Fed RSSD
- 366658
- Website
- https://www.fibaurora.com →
- Parent Holding Company
- FIRST INDEPENDENT BANCSHARES, INC. (RSSD 1364053)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Independent Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Independent Bank's total assets ranged from $126.4M (Q3 2023) to $147.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$147.6M total assets against $139.7M; $131.8M total liabilities against $125.3M.
$72.8M net loans and leases against $72.0M; $131.4M total deposits against $124.9M.
$52.8M securities against $48.1M; $17.6M cash and balances due against $15.5M.
$1.9M total interest income against $1.8M; $537K total interest expense against $565K.
$1.3M net interest income against $1.2M.
$179K total noninterest income against $138K; $898K total noninterest expense against $836K.
$40K provision for credit losses against $37K.
$443K net income against $479K.
1.21% return on assets against 1.36%; 3.86% net interest margin against 3.64%.
11.63% tier 1 leverage ratio against 11.23%.
Inside the full First Independent Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Independent Bank rankings
Its closest position to the top of a national ranking is 1,137 of 3,640, for Texas Ratio; its furthest is 3,312 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q4 2025) to 1.36% (Q2 2025) and its net interest margin ran from 3.42% (Q3 2024) to 3.96% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 1.21% | 1.00% | 5.93% | 3.86% |
| Q1 2026 | 11.65% | 1.25% | 1.46% | 6.53% | 3.82% |
| Q4 2025 | 11.51% | 0.35% | 1.21% | 5.49% | 3.96% |
| Q3 2025 | 11.47% | 0.93% | 1.45% | 6.67% | 3.80% |
| Q2 2025 | 11.23% | 1.36% | 1.40% | 6.60% | 3.64% |
| Q1 2025 | 11.17% | 0.79% | 1.18% | 5.94% | 3.54% |
| Q4 2024 | 11.51% | 1.11% | 0.81% | 4.22% | 3.50% |
| Q3 2024 | 11.33% | 0.88% | 1.29% | 8.36% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| First Independent Bank (main office) | Aurora , MO | 65605 | $131.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 172 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows First Independent Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First Independent Bank with peers
Frequently asked about First Independent Bank
What are First Independent Bank's total assets?
As of the Q2 2026 filing, First Independent Bank reported total assets of $147.6 million in its FFIEC call report.
Where is First Independent Bank headquartered?
It is headquartered in Aurora, MO, United States.
When was First Independent Bank founded?
It was established in 1906, per the FDIC institution directory.
Is First Independent Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Independent Bank?
First Independent Bank's primary federal regulator is the FDIC.
How many branches does First Independent Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Independent Bank's Texas Ratio?
Its Texas Ratio is 5.93% in its Q2 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 non-performing assets against the bank's capital and reserves.
Go deeper on First Independent Bank.
Get an email when First Independent Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Independent Bank, freeFree account