BlastPoint's Banking Scorecard
Farmers Bank of Northern Missouri
Community
Specialty: Agricultural
MO
FDIC cert 4539
Unionville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Farmers Bank of Northern Missouri shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$567.2M
+6.4% YoY
+5.1% QoQ
|
-$824.2M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$306.6M
+12.0% YoY
+3.3% QoQ
|
-$668.8M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$478.8M
+5.6% YoY
+5.4% QoQ
|
-$685.8M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.06%
+16.4% YoY
-8.3% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.67%
+11.5% YoY
+0.2% QoQ
|
+0.01% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
59.66%
-12.9% YoY
+7.5% QoQ
|
-2.98% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.18%
-7.7% YoY
-15.2% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
64.05%
+6.0% YoY
-2.0% QoQ
|
-19.01% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.54%
+12.9% YoY
+5.3% QoQ
|
+9.49% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.10%
-2.9% YoY
-16.6% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.45%
-2.3% YoY
+24.3% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.54% · Tier avg: 21.05%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
58
58th pctile
Efficiency Ratio
Current: 59.66% · Tier avg: 62.63%
52
52th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
45
45th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Loan-to-Deposit Ratio
Current: 64.05% · Tier avg: 83.06%
10
10th pctile
Total Assets
Current: $567.2M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $478.8M · Tier avg: $1.2B
5
5th pctile
Total Loans
Current: $306.6M · Tier avg: $975.5M
Top Weaknesses
5
5th pctile
Total Loans
Current: $306.6M · Tier avg: $975.5M
10
10th pctile
Total Deposits
Current: $478.8M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $567.2M · Tier avg: $1.4B
13
13th pctile
Loan-to-Deposit Ratio
Current: 64.05% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
45
45th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
58
58th pctile
Efficiency Ratio
Current: 59.66% · Tier avg: 62.63%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.54% · Tier avg: 21.05%