BlastPoint's Banking Scorecard
Independent Farmers Bank
Maysville, MO
3 branches across MO
Independent Farmers Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 1.69% below tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.9% in tier
- - ROA 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.9M
+1.9% YoY
+2.5% QoQ
|
-$232.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$85.3M
-0.6% YoY
+7.4% QoQ
|
-$170.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.7% in tier |
| Total Deposits ? |
$141.6M
+2.7% YoY
+2.7% QoQ
|
-$186.4M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.03%
+26.8% YoY
-6.5% QoQ
|
-0.24% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.25%
+3.6% YoY
+2.3% QoQ
|
+0.32% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
63.59%
+3.1% YoY
-3.0% QoQ
|
-1.69% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
0.54%
+163.2% YoY
+65.8% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
60.27%
-3.2% YoY
+4.6% QoQ
|
-16.37% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
25.19%
+8.5% YoY
+5.9% QoQ
|
+3.17% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.30%
+144.3% YoY
+73.7% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
16.48%
+6.5% YoY
-3.1% QoQ
|
+0.65% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.06%
-9.5% YoY
-77.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
27% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.