# FARMERS BANK OF NORTHERN MO
UNIONVILLE, MO · FDIC certificate 4539 · asset band $300M-1B · 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 | $566.5M | |
| Deposits | $478.4M | |
| Loans and leases | $329.7M | |
| Total equity | $65.8M | |
| Loans / deposits | 68.08% (p22 of band) | 82.04% |
| Liquid assets / assets | 37.08% (p78 of band) | |
| Uninsured deposits / deposits | 18.08% (p22 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.35% (p50 of band) | |
| FHLB advances / assets | 3.35% | |
| Tier 1 leverage | 12.71% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -22.22% (p20 of band) | -8.10% |
| AOCI / equity | -0.15% (p62 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 3.81% (p44 of band) | 3.91% |
| Efficiency ratio | 54.57% (p29 of band) | |
| Noncurrent loans | 0.26% (p38 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 471.50% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 9.77% (p14 of band) | |
| Auto loans | $3.1M (0.94% of loans; DQ 0.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 94 | |

## 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 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 | capital falling | uninsured deposits leaving |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 2 | noncurrent p90 | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2024-06-23 [Annual Wheels & Wine car show winners announced - KTTN](https://news.google.com/rss/articles/CBMidkFVX3lxTFBYVEdPa1N5azVXS2RaQVZHNUZkNjdDNko2UkVvSHhXOU5UbWotbC1JMENqTktMd2VLb3V4QWx3em9TWklEdDVEdWZETGEzNGYwLUFzY3AtYlg4TmFRNWlwR29tMUF5dmRLNlIwTDB2M1hBS19qT2c?oc=5) · KTTN
- 2023-11-28 [Obituary & Services: Cindy R. (White) Roy - KTTN](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9KZDhUSnJzX0JVQlNqdzBpRGk4RjlTajJtc0JMMHFFdHl5OS1yMEVVbU5lY3Z0Q3lubHhobXg1dVpXaF9JYXBjejlmaVNZUkhIS3lqSklNRkpmWXFBb3MzWGw3RU53b3F3?oc=5) · KTTN
- 2024-08-07 [Schedule of events at the Northwest Missouri State Fair in Bethany - KTTN](https://news.google.com/rss/articles/CBMikgFBVV95cUxNZDc0RXNIc19NMS1RMnFKX1c1WmdEQTZRMUhNclNOMFUwTjFEejdaalZBS1BRMzh5M2xnd1hFNzd1Tlc2bmhXYXJjQ1BnMi1uc0U4SjY1ZWpCNG1QNi1rNkdVRTRsa2I4WXpMendYemhzVmxfWlJ0Q09QaUx2alRLMXZrZHJzQlN1c2xCVnY3emI3dw?oc=5) · KTTN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4539 (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/59.json (key "4539", 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