Independent Farmers 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: 95.03 percentage points lower than in Q1 2026, at 166.56%. Within Missouri, Independent Farmers Bank is 130th of 192 on return on assets, 1.19% 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. Independent Farmers Bank sits 0.06 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.65% |
| Tier 1 risk-based capital ratio | 16.65% |
| Total risk-based capital ratio | 17.75% |
| Tier 1 leverage ratio | 10.53% |
| Equity capital to assets | 8.11% |
| Tangible equity to tangible assets | 8.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 4.94% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 166.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 15.88% |
| Net interest margin | 4.29% |
| Efficiency ratio | 62.23% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.96% |
| Core deposits to total deposits | 88.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.03% |
| Securities to assets | 35.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.12% | 15.12% | 16.05% | 9.09% | 0.90% |
| Q4 2023 | 14.76% | 14.76% | 15.70% | 8.84% | 1.11% |
| Q1 2024 | 14.96% | 14.96% | 15.93% | 9.02% | 0.96% |
| Q2 2024 | 15.14% | 15.14% | 16.16% | 9.26% | 0.77% |
| Q3 2024 | 15.63% | 15.63% | 16.65% | 9.68% | 1.13% |
| Q4 2024 | 14.78% | 14.78% | 15.79% | 9.37% | 1.15% |
| Q1 2025 | 15.48% | 15.48% | 16.52% | 9.58% | 0.80% |
| Q2 2025 | 16.19% | 16.19% | 17.22% | 10.04% | 1.24% |
| Q3 2025 | 17.25% | 17.25% | 18.27% | 10.64% | 1.24% |
| Q4 2025 | 17.01% | 17.01% | 18.06% | 10.27% | 1.10% |
| Q1 2026 | 16.48% | 16.48% | 17.59% | 10.00% | 1.00% |
| Q2 2026 | 16.65% | 16.65% | 17.75% | 10.53% | 1.19% |
Independent Farmers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Farmers 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 Independent Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11462) · FFIEC NIC profile (RSSD 956152)