Total Assets
$139M
Total balance-sheet footings
FDIC Cert #18380 · Aurora, Missouri · Est. 1906
First Independent Bank - FDIC Bank Health Profile
A community-scale look at First Independent Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $139M
- Total assets
- C
- Health grade · Fair
- 0.87%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Independent Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.51% Tier 1, 0.87% ROA, 70% efficiency ratio.
- #3,433
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 11.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- 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 First Independent Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Independent Bank's composite health score
Tier 1 Capital Ratio (11.51%) 28/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (5.49%) 16/20
Efficiency Ratio (70.28%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$124M
Customer-funded liabilities
Net Loans
$73M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Independent Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Independent Bank's score of 62/100 falls in the highlighted band.
First Independent Bank'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). First Independent Bank's $139M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.51%
Texas Ratio
5.49%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
8.39%
Efficiency Ratio
70.28%
What the numbers say about First Independent Bank
First Independent Bank is an FDIC-insured institution (Certificate #18380) headquartered in Aurora, Missouri, established in 1906. It holds $139M in total assets - 3,433rd of 4,313 FDIC-insured banks, $124M in customer deposits, and $73M in net loans. Its capital position: a Tier 1 ratio of 11.51%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.49% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Independent Bank is a community-scale institution -- 151st of 198 FDIC-insured banks headquartered in Missouri by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$486K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Independent Bank reports a Texas Ratio of 5.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.49% - 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) First Independent Bank (FDIC Cert #18380) - 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 First Independent Bank's health grade?▼
First Independent Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Independent Bank?▼
First Independent Bank holds $139M in total assets and $124M in deposits, ranking 3,433rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Aurora, Missouri.
Is my money safe at First Independent Bank?▼
Yes, deposits at First Independent Bank (Certificate #18380) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Independent Bank's Tier 1 Capital Ratio?▼
First Independent Bank has a Tier 1 Capital Ratio of 11.51%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Independent Bank?▼
First Independent Bank has a Texas Ratio of 5.49%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Independent Bank?▼
First Independent Bank has an Efficiency Ratio of 70.28%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Independent Bank's profile as a depositor or analyst.
- First Independent Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Independent Bank 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.