BlastPoint's Banking Scorecard

Farmers Bank of Northern Missouri

$100M-$1B Specialty: Agricultural MO FDIC cert 4539

Unionville, MO

10 branches across MO · IA

2664 banks in the $100M-$1B peer group nationally 143 in MO

Farmers Bank of Northern Missouri has 2 strengths but faces 2 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

+ Efficiency Ratio 8.37% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Net Interest Margin 0.20% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$568.6M +6.6% YoY +0.2% QoQ	+$182.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$311.6M +11.3% YoY +1.6% QoQ	+$55.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$481.8M +5.8% YoY +0.6% QoQ	+$153.8M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.10% +90.5% YoY +3.0% QoQ	-0.17%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	3.73% +8.0% YoY +1.4% QoQ	-0.20%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	56.91% -9.5% YoY -4.6% QoQ	-8.37%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.22% -7.2% YoY +19.0% QoQ	-0.67%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	64.67% +5.1% YoY +1.0% QoQ	-11.97%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	30.43% +6.8% YoY -0.4% QoQ	+8.41%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.12% -3.2% YoY +20.6% QoQ	-0.52%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	12.50% -0.4% YoY -4.3% QoQ	-3.33%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.11% +4.9% YoY -76.2% QoQ	-0.17%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

456

Non-Interest-Bearing Deposit Share

funding

Value: 30.43%

Peer Median: 22.02%

#456 of 2664 Top 17.1% in $100M-$1B

585

Total Assets

size

Value: $568.58M

Peer Median: $386.08M

#585 of 2664 Top 21.9% in $100M-$1B

594

Total Deposits

size

Value: $481.79M

Peer Median: $327.97M

#594 of 2664 Top 22.3% in $100M-$1B

658

Loan-to-Deposit Ratio

liquidity

Value: 64.67%

Peer Median: 76.64%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available