Independent Farmers Bank
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Data as of · sourced from FFIEC call reports. How we update
Independent Farmers Bank is an FDIC-insured commercial bank headquartered in Maysville, MO, established in 1920 (FDIC certificate 11462), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $146.5M, down 1.6% from Q2 2025, the 145th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 16.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11462
- Headquarters
- Maysville, MO
- Established
- 1920
- Total assets, Q2 2026
- $146.5M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 16.65%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101216683
- Latest call report
- Q2 2026, FFIEC 051 · Independent Farmers Bank call report
- Holding company
- FARMERS BANCSHARES, INC.
- Asset rank in state
- 145th of 191 in Missouri
Problem loans are rising at Independent Farmers Bank. Based in Maysville, Missouri, it had $147 million in assets at June 30, 2026, down 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.23% a year earlier. It lost 2.4% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also holds commercial real estate loans equal to only 38% of its capital, about a third the median of 1.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $5.4 million equal 33% of Tier 1 capital, down from 45% a year earlier. Its $15 million commercial and industrial book is improving, with 3.71% past due or on nonaccrual, down from 5.92% a year earlier. One more trend to watch: loans and deposits moved in opposite directions: over the year loans rose 2.9% and deposits fell 2.4%.
As of June 30, 2026, Independent Farmers Bank reported a CET1 capital ratio of 16.65%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 4.48%. The figures come from its call report filed with the FFIEC.
Independent Farmers Bank ranks as the 145th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.8% to $146.5M, loans rose 2.2% and deposits fell 6.9%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 23.4% of total loans, ahead of 1-4 family residential loans at 20.1%. Its 3 offices in the FDIC Summary of Deposits are in Maysville, MO, King City, MO and Stewartsville, MO; its Maysville office books 52% of its branch deposits. On its Q2 2026 call report, Independent Farmers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Main St, Maysville, MO 64469
- County
- Dekalb
- Metro Area
- St. Joseph, MO-KS
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 12, 1920
- Former names
- Farmers Bank of Maysville (1937-1993)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $131.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $153.0M
- Average total loans
- $87.0M
- Average interest-bearing deposits
- $102.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11462
- Fed RSSD
- 956152
- Website
- www.farmbank.net →
- Parent Holding Company
- FARMERS BANCSHARES, INC. (RSSD 1416925)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Independent Farmers Bank's total assets ran between $146.1M (Q3 2025) and $156.5M (Q1 2024), 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
$146.5M total assets against $148.9M; $134.6M total liabilities against $139.0M.
$87.3M net loans and leases against $84.9M; $131.9M total deposits against $135.2M.
$52.5M securities against $55.0M; $2.7M cash and balances due against $4.7M.
$2.0M total interest income against $2.1M; $448K total interest expense against $540K.
$1.6M net interest income against $1.5M.
$97K total noninterest income against $107K; $1.1M total noninterest expense against $1.0M.
$43K provision for credit losses against $6K.
$456K net income against $475K.
1.19% return on assets against 1.24%; 4.29% net interest margin against 4.12%.
16.65% CET1 capital ratio against 16.19%; 10.53% tier 1 leverage ratio against 10.04%.
Inside the full Independent Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIndependent Farmers Bank rankings
Its closest position to the top of a national ranking is 626 of 2,134, for CET1 ratio; its furthest is 3,321 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q1 2025) to 1.24% (Q3 2025) and its net interest margin ran from 3.81% (Q3 2024) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.65% | 1.19% | 0.66% | 4.48% | 4.29% |
| Q1 2026 | 16.48% | 1.00% | 0.54% | 3.82% | 4.14% |
| Q4 2025 | 17.01% | 1.10% | 0.32% | 2.16% | 4.14% |
| Q3 2025 | 17.25% | 1.24% | 0.23% | 1.53% | 4.11% |
| Q2 2025 | 16.19% | 1.24% | 0.23% | 1.80% | 4.12% |
| Q1 2025 | 15.48% | 0.80% | 0.20% | 1.80% | 3.99% |
| Q4 2024 | 14.78% | 1.15% | 0.36% | 3.38% | 3.91% |
| Q3 2024 | 15.63% | 1.13% | 0.34% | 2.63% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Independent Farmers Bank (main office) | Maysville , MO | 64469 | $68.7M |
| King City Branch | King City , MO | 64463 | $34.4M |
| Stewartsville Branch | Stewartsville , MO | 64490 | $28.8M |
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 6, 1937 | Structure Change | Acquired Kochan Banking Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 171 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 32 loans originated, $2.8M originated, across 2 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Independent Farmers Bank
What are Independent Farmers Bank's total assets?
As of the Q2 2026 filing, Independent Farmers Bank reported total assets of $146.5 million in its FFIEC call report.
Where is Independent Farmers Bank headquartered?
It is headquartered in Maysville, MO, United States.
When was Independent Farmers Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Independent Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11462). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Independent Farmers Bank?
Independent Farmers Bank's primary federal regulator is the FDIC.
What is Independent Farmers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Independent Farmers Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Independent Farmers Bank's Texas Ratio?
Its Texas Ratio is 4.48% 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.
What was Independent Farmers Bank previously called?
The charter now named Independent Farmers Bank has also operated as Farmers Bank of Maysville (1937-1993), per FDIC structure-change records.
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