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Independent Farmers Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 11462

Maysville, MO

3 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -2.4% year over year ($131.9M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 1.13%.
  • Efficiency ratio 63.59% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Independent Farmers Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.35% above tier average
  • + Efficiency Ratio 0.89% below tier average
  • + Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 25.0% in tier
  • - Credit Risk Growth: Bottom 30.1% in tier
  • - ROA 0.19% below tier average
Get updates when Independent Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $146.5M
-1.6% YoY -4.8% QoQ
-$240.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 13.0% in tier
Total Loans ? $87.3M
+2.8% YoY +2.2% QoQ
-$171.1M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 13.5% in tier
Total Deposits ? $131.9M
-2.4% YoY -6.9% QoQ
-$194.8M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.13%
+9.0% YoY +9.5% QoQ
-0.19% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.34%
+3.8% YoY +2.1% QoQ
+0.35% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 63.59%
+1.5% YoY -0.0% QoQ
-0.89% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.66%
+187.8% YoY +22.5% QoQ
-0.25% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 66.15%
+5.4% YoY +9.8% QoQ
-11.80% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 24.63%
+6.7% YoY -2.2% QoQ
+2.60% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.40%
+200.8% YoY +31.6% QoQ
-0.27% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 16.65%
+2.8% YoY +1.0% QoQ
+0.74% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.13%
-7.1% YoY +112.3% QoQ
-0.44% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 24.6%
+1.5pp YoY
-0.6pp QoQ
 +2.5pp 22.1% 20.9% 22.2% 64%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 16.8%
-2.0pp YoY
-0.3pp QoQ
 +5.3pp 11.6% 12.3% 12.5% 81%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 20.4%
-0.4pp YoY
-0.3pp QoQ
 -12.3pp 32.6% 31.9% 31.3% 31%
Consumer 4.5%
-0.7pp YoY
-0.2pp QoQ
 +0.4pp 4.1% 4.1% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 16.6%
+0.5pp YoY
+0.2pp QoQ
 -2.2pp 18.8% 18.5% 19.7% 62%
Leverage Ratio 10.5%
+0.5pp YoY
+0.5pp QoQ
 -1.6pp 12.2% 11.6% 12.6% 42%
Total Capital Ratio 17.8%
+0.5pp YoY
+0.2pp QoQ
 -2.2pp 19.9% 19.6% 20.8% 62%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 30
+1 (+3.4%) YoY
+1 (+3.4%) QoQ
 -29 58 162 482 26%
Assets per Employee ($) $4.9M
-4.9% YoY
-8.0% QoQ
 -$2.6M $7.5M $8.0M $8.8M 13%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.7%
+0.4pp YoY
+0.3pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 60%
Allowance Coverage 1.84x
-63.1% YoY
-18.9% QoQ
 -22.32x 24.15x 10.47x 20.23x 45%
Net Charge-off Rate (YTD) 0.1%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 14.9%
-2.2pp YoY
+0.8pp QoQ
 +2.7pp 12.2% 14.3% 11.6% 67%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 24%
Net Income ($, YTD) $848,000
+7.8% YoY
— QoQ
 -$1.7M $2.6M $11.3M $40.4M 22%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#133 of 529 • Bottom 25.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.13%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#283 of 936 • Bottom 30.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

651
Tier 1 Capital Ratio
capital
Value: 16.65%
Peer Median: 15.91%
#651 of 2643 Top 24.6% in $100M-$1B
661
Loan-to-Deposit Ratio
liquidity
Value: 66.15%
Peer Median: 77.95%
#661 of 2643 Top 25.0% in $100M-$1B

Top Weaknesses (3 metrics)

2300
Total Assets
size
Value: $146.50M
Peer Median: $386.57M
#2300 of 2643 Bottom 13.0% in $100M-$1B
2288
Total Loans
size
Value: $87.25M
Peer Median: $258.35M
#2288 of 2643 Bottom 13.5% in $100M-$1B
2222
Total Deposits
size
Value: $131.90M
Peer Median: $326.73M
#2222 of 2643 Bottom 16.0% in $100M-$1B
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