First Independent Bank: 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: 36.14 percentage points higher than in Q1 2026, at 132.64%. Within Missouri, First Independent Bank is 126th of 192 on return on assets, 1.21% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Independent Bank sits 0.04 points lower, at 1.21% (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 | 11.63% |
| Equity capital to assets | 10.72% |
| Tangible equity to tangible assets | 10.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.10% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 7.64% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 132.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 11.31% |
| Net interest margin | 3.86% |
| Efficiency ratio | 58.49% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.28% |
| Core deposits to total deposits | 90.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.97% |
| Securities to assets | 35.78% |
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 | 11.18% | 0.56% | 2.89% | 0.73% | 0.10% |
| Q4 2023 | 11.40% | 0.74% | 2.96% | 0.38% | 0.04% |
| Q1 2024 | 11.16% | 0.69% | 3.05% | 0.30% | 0.27% |
| Q2 2024 | 11.25% | 0.57% | 3.27% | 0.79% | 0.02% |
| Q3 2024 | 11.33% | 0.88% | 3.42% | 1.08% | 0.01% |
| Q4 2024 | 11.51% | 1.11% | 3.50% | 0.94% | -0.02% |
| Q1 2025 | 11.17% | 0.79% | 3.54% | 1.31% | 0.01% |
| Q2 2025 | 11.23% | 1.36% | 3.64% | 1.30% | 0.12% |
| Q3 2025 | 11.47% | 0.93% | 3.80% | 1.39% | 0.20% |
| Q4 2025 | 11.51% | 0.35% | 3.96% | 1.31% | 0.07% |
| Q1 2026 | 11.65% | 1.25% | 3.82% | 1.54% | -0.11% |
| Q2 2026 | 11.63% | 1.21% | 3.86% | 1.10% | 0.31% |
First Independent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independent Bank, 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 First Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18380) · FFIEC NIC profile (RSSD 366658)