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Farmers Bank of Northern Missouri

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

Unionville, MO

10 branches across MO · IA

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 +5.6% year over year ($478.4M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.29%.
  • Efficiency ratio 54.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.08% 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) →

Farmers Bank of Northern Missouri has 2 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

  • + Efficiency Ratio 9.91% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.2% in tier
  • - Credit Risk Growth: Bottom 38.4% in tier
  • - Net Interest Margin 0.18% below tier average
Get updates when Farmers Bank of Northern Missouri releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $566.5M
+6.1% YoY -0.4% QoQ
+$180.0M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $325.7M
+9.3% YoY +4.5% QoQ
+$67.4M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $478.4M
+5.6% YoY -0.7% QoQ
+$151.7M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.29%
+33.8% YoY +17.9% QoQ
-0.03% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.81%
+5.7% YoY +2.1% QoQ
-0.18% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 54.57%
-4.8% YoY -4.1% QoQ
-9.91% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.26%
+29.5% YoY +20.0% QoQ
-0.66% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 68.08%
+3.5% YoY +5.3% QoQ
-9.88% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 29.12%
+0.7% YoY -4.3% QoQ
+7.09% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.16%
+45.2% YoY +37.2% QoQ
-0.51% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 12.71%
-1.3% YoY +1.7% QoQ
-3.20% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.22%
+4.1% YoY +102.7% QoQ
-0.35% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
55%

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 29.1%
+0.2pp YoY
-1.3pp QoQ
 +7.0pp 22.1% 20.9% 22.2% 79%
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 6.3%
-0.5pp YoY
+0.1pp QoQ
 -5.2pp 11.6% 12.3% 12.5% 28%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 18.4%
+1.0pp YoY
+0.2pp QoQ
 -14.2pp 32.6% 31.9% 31.3% 27%
Consumer 2.0%
0.0pp YoY
0.0pp QoQ
 -2.1pp 4.1% 4.1% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 12.7%
-0.2pp YoY
+0.2pp QoQ
 +0.5pp 12.2% 11.6% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 94
+1 (+1.1%) YoY
-1 (-1.1%) QoQ
 +35 58 162 482 84%
Assets per Employee ($) $6.0M
+5.0% YoY
+0.7% QoQ
 -$1.5M $7.5M $8.0M $8.8M 34%
Branch Count 10
0 YoY
0 QoQ
 +5 4 10 18 90%

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 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 35%
Allowance Coverage 4.71x
-22.1% YoY
-17.7% QoQ
 -19.44x 24.15x 10.47x 20.23x 69%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 11.2%
+2.0pp YoY
+1.7pp QoQ
 -1.0pp 12.2% 14.3% 11.6% 44%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 40%
Net Income ($, YTD) $3.7M
+42.3% YoY
— QoQ
 +$1.1M $2.6M $11.3M $40.4M 77%

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)

Credit Quality Pressure

risk
#217 of 1256 • Bottom 17.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#360 of 936 • Bottom 38.4% 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 (3 metrics)

545
Non-Interest-Bearing Deposit Share
funding
Value: 29.12%
Peer Median: 22.03%
#545 of 2643 Top 20.6% in $100M-$1B
584
Total Assets
size
Value: $566.54M
Peer Median: $386.57M
#584 of 2643 Top 22.1% in $100M-$1B
591
Total Deposits
size
Value: $478.43M
Peer Median: $326.73M
#591 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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