Total Assets
$567M
Total balance-sheet footings
FDIC Cert #4539 · Unionville, Missouri · Est. 1901
Farmers Bank of Northern Missouri - FDIC Bank Health Profile
A community-scale look at Farmers Bank of Northern Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $567M
- Total assets
- A
- Health grade · Excellent
- 1.06%
- Return on assets
- 13.1%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers Bank of Northern Missouri earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.06% Tier 1, profitable at 1.06% ROA, efficient (60% cost ratio).
- #1,637
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 13.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Farmers Bank of Northern Missouri's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers Bank of Northern Missouri's composite health score
Tier 1 Capital Ratio (13.06%) 35/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (0.79%) 20/20
Efficiency Ratio (59.66%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$479M
Customer-funded liabilities
Net Loans
$307M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers Bank of Northern Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers Bank of Northern Missouri's score of 87/100 falls in the highlighted band.
Farmers Bank of Northern Missouri's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers Bank of Northern Missouri's $567M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.06%
Texas Ratio
0.79%
Equity Capital
$66M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
9.69%
Efficiency Ratio
59.66%
What the numbers say about Farmers Bank of Northern Missouri
Farmers Bank of Northern Missouri is an FDIC-insured institution (Certificate #4539) headquartered in Unionville, Missouri, established in 1901. It holds $567M in total assets - 1,637th of 4,313 FDIC-insured banks, $479M in customer deposits, and $307M in net loans. On safety, its Tier 1 capital ratio of 13.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.79% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Farmers Bank of Northern Missouri ranks 65th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$27M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers Bank of Northern Missouri reports a Texas Ratio of 0.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers Bank of Northern Missouri (FDIC Cert #4539) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Farmers Bank of Northern Missouri's health grade?▼
Farmers Bank of Northern Missouri receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers Bank of Northern Missouri?▼
Farmers Bank of Northern Missouri holds $567M in total assets and $479M in deposits, ranking 1,637th of 4,313 FDIC-insured banks by asset size. It is headquartered in Unionville, Missouri.
Is my money safe at Farmers Bank of Northern Missouri?▼
Yes, deposits at Farmers Bank of Northern Missouri (Certificate #4539) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers Bank of Northern Missouri's Tier 1 Capital Ratio?▼
Farmers Bank of Northern Missouri has a Tier 1 Capital Ratio of 13.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Farmers Bank of Northern Missouri?▼
Farmers Bank of Northern Missouri has a Texas Ratio of 0.79%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers Bank of Northern Missouri?▼
Farmers Bank of Northern Missouri has an Efficiency Ratio of 59.66%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers Bank of Northern Missouri's profile as a depositor or analyst.
- Farmers Bank of Northern Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers Bank of Northern Missouri against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.