Banks · Missouri

Farmers Bank Of Northern Missouri

Unionville, MO · FDIC Certificate #4539 · Chartered 06/0

Total assets

$566.54M

Total deposits

$478.43M

Total equity

$65.76M

Net loans

$325.70M

Branches (offices)

Net income (YTD)

$3.67M

Rank: #1,624 of 4,213 U.S. banks by assets · #65 of 190 in Missouri. Assets changed 6.1% and deposits 5.6% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.29%
Return on equity	11.22%
Net interest margin (YTD)	3.81%
Equity to assets	11.61%
Tier 1 leverage ratio	12.71%
Uninsured deposits (share of deposits)	18.1%
Noncurrent loans (share of loans)	0.26%
Net charge-offs (share of loans)	0.02%
Loans to deposits	68.1%
Real estate loans (share of loans)	71.8%

Loan mix

Category	Amount	Share
Real estate loans	$233.86M	71.8%
Commercial & industrial	$20.56M	6.3%
Consumer / individual	$6.61M	2.0%
Construction & development	$6.43M	2.0%
Agricultural	$66.19M	20.3%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$480.85M	$426.27M	$2.47M	$41.82M
Jun 2023	$489.89M	$406.18M	$3.08M	$45.34M
Jun 2024	$507.48M	$430.46M	$2.85M	$51.12M
Jun 2025	$533.82M	$453.16M	$2.58M	$58.42M
Jun 2026	$566.54M	$478.43M	$3.67M	$65.76M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Missouri	$407.58M	7
Iowa	$70.84M	3

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $478.43M.

Similar-sized banks

International Bank Of Commerce ($567.78M) · Citizens' Bank & Trust Co. ($566.43M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.