# FIRST INDEPENDENT BANK
AURORA, MO · FDIC certificate 18380 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $147.6M | |
| Deposits | $131.4M | |
| Loans and leases | $73.9M | |
| Total equity | $15.8M | |
| Loans / deposits | 55.45% (p25 of band) | 73.59% |
| Liquid assets / assets | 47.72% (p75 of band) | |
| Uninsured deposits / deposits | 5.82% (p5 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.63% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -11.68% (p36 of band) | -6.57% |
| AOCI / equity | -1.43% (p20 of band) | |
| ROA (annualized) | 1.24% (p54 of band) | 1.17% |
| Net interest margin | 3.86% (p47 of band) | 3.93% |
| Efficiency ratio | 60.40% (p36 of band) | |
| Noncurrent loans | 1.00% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 146.68% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 22.27% (p56 of band) | |
| Auto loans | $2.7M (3.65% of loans; DQ 3.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 1 |  | uninsured deposits leaving |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | charge-offs p90, capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-07 [Missouri Senate - Media - Missouri Senate (.gov)](https://news.google.com/rss/articles/CBMiYEFVX3lxTFAxRXpwVndad3FFT1k4eEVFZzFvMkpyQ2RjREpGcEpfSGtvM3pWaVE2aGg5WnZuSDFESTF1OWV4bFNGa1FMc3BJaGpLdVpFS3JYbGdTNG54NmhnYndxT25xcA?oc=5) · Missouri Senate (.gov)
- 2024-03-08 [Mid-Missouri Bank in Mount Vernon gets new leadership - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYnVRZlBVS0xyUmdKd3ZDcHpxM0tYOUQ5d2NfQUFvMnpqc3ZkQ09UbG9SeW5LZ2E5ODkxZnFSTHllWWotYmhkQk9mNGpQRXlwWG1RUThLYVlCVDZRYXRZeEl0b1dJT1lkWVlPOEV4eW5xT3dHVkJNOC1oWGllX29Scm5FdXpfTC1fY3dz?oc=5) · Springfield Business Journal
- 2023-12-06 [New Reno-Based Streaming Service “Sunn Stream” Launches to Uplift Independent Creators - Nevada Business Magazine](https://news.google.com/rss/articles/CBMivAFBVV95cUxPbVRzNm94aDk2Um5pRlRud19rcGYwalVScDhTMHNXTFhVeDdPX3pWd3lmV2p6XzBkcEVWa0g0T3NsdEJXSlNXeEJaOVNFZ2EzcXdEMmNNbkFEanRCLXlvZjZseGlWeE4wSFVSNGRFOVVDMGZ4LXVYbEVZSUstX2Q1ZkJkVEZ2UTRMbzNfTFRNYmVtXzRoTVZIV1c1bkh5NFZTWURvQVEtZm5xOE9jMFJRQzNoZldEUVZQNlg0OA?oc=5) · Nevada Business Magazine
- 2024-04-17 [Bruce Helgeson Takes on challenges to help his community - - Marshall Independent](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPdngtZDFzRWNMWlJBOFMzU1VaaVAzWW5DWERHSEM3Szh6c0FBRWNhZF9iOTRmQUhITFZZZnZpNU1mVVhEaDZfSlYzMlZsMnFpb0Y5WlBpcnVvbnpLXzdZelNEMURGSGVVNUhjZFRmVnZCbm9yQVU5MkM1VjVIYzh4SXRVV2RDQkhESG4taGw2X1VQYmpVVGgza055WFZWNTBPaS1RSTR2eFpNRFVMWkd6MFh4TTRtcXpO?oc=5) · Marshall Independent
- 2017-02-14 [Arlene Spangler honors late husband, Charles, with AACF fund - Springfield News-Leader](https://news.google.com/rss/articles/CBMixAFBVV95cUxNdHlEVmVURG1Pckw5ME9EV0N4UHZHZy1wQWlIOFhMNzJsNTh5WlJBQ1ZhR0J3VEJLRmsxeFRRSDd0ZnpmWWxucWRCcWc2dkFaUjJETmNHYjVOVEFSTlgzVlJ3Z3ZxSjVFcTlXbEhoZlpTeFZ1OW1FRW9YVkpabE00NEpOYlZBbmRndGxfVlNJMXBnNl9CckxyNllqekd0azdmRGhsME43Q2xNb2Y0VHNtWU8yN3ZyWEh1YTVDUEdDM3psaEUt?oc=5) · Springfield News-Leader
- 2025-07-21 [Worthington Speedway point standings - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMidEFVX3lxTE13Zm55dFEzVFRIbkM2bzBOOGVkYllGYjRjakFWY0lOTEhqem1SbzFvYnNGVnJRcE5IZXA0ZGdWMjQwXzZJNGxaWWN6ampfNUNPS2hiWVRGekloRG5FRkhvazYyTmEzMWFPRnBRaWxtcklDeHdO?oc=5) · The Globe | Worthington, Minnesota
- 2026-01-28 [Alice Marie Bilyeu Obituary (2026) - Aurora, MO - Crafton-Cantrell Funeral Home - Aurora - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQOTJrYUNNRllic2RKdmU0Q2VmMmd2cURFcU9KMG1IOXVWSkxuTGgzNE9wczh2SGZSN2NOM3ZxNmt1b2ZMd1VUcDNNLTgzVzQ5c2pKb29EWHgwS3p1dkUxalpJeThjMF9mODNSZXJNU0Vwam5ubmVpOEtxbFhJSnNYSg?oc=5) · legacy.com
- 2026-04-17 [Wanda Louise Anderson Obituary (2026) - Seligman, MO - Fohn Funeral Home - Cassville - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNjViV01TV0VTQjBGb3VpT0VtS0F0NHpkTmNfbEtMR0ROQ2kwTjRBRU9vaHNObjgwdFlxVHZPUVpFVl93QkN4aG1xem1BUnZTaUpZd0Y1a2NkTnpiRGNoSVFzRkJEY0hzN0VGSGFBQnF4ZU9wSmZjVkRtUFlhRHFDOTZiWQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18380 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "18380", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide