Farmers Bank of Northern Missouri

1604 Main Street
Unionville, MO 63565

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4539
Date Established 1901
Assets $0.37 billion
Loans $0.23 billion
Deposits $0.31 billion
Capital $0.05 billion

Farmers Bank of Northern Missouri is an FDIC insured institution located in Unionville, MO. It was founded in 1901 and has approximately $0.37 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Farmers Bank of Northern Missouri's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.75% $2,500 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.75% $1,000 - Learn MoreShow Less
18 Mo CD
1.96% $1,000 - Learn MoreShow Less
24 Mo CD
2.22% $1,000 - Learn MoreShow Less
30 Mo CD
2.22% $1,000 - Learn MoreShow Less
36 Mo CD
2.27% $1,000 - Learn MoreShow Less
48 Mo CD
2.31% $1,000 - Learn MoreShow Less
60 Mo CD
2.32% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.75% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.31% $1 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - October 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Farmers Bank of Northern Missouri

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.536% 3.500% 0.50 $1,130 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Farmers Bank of Northern Missouri
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Farmers Bank of Northern Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Farmers Bank of Northern Missouri Locations


Financial Details

Farmers Bank of Northern Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers Bank of Northern Missouri. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Farmers Bank of Northern Missouri U.S. Bank Average
2.28% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Farmers Bank of Northern Missouri had $1,013,000 in non-current loans and $204,000 in owned real estate. To cover these potential losses it had $50,507,000 in equity and $2,793,000 in loans loss reserves. That gives it a Texas Ratio of 2.28%.

Return on Equity
Farmers Bank of Northern Missouri U.S. Bank Average
10.66% 9.50%

Farmers Bank of Northern Missouri has a Return on Equity of 10.66% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Farmers Bank of Northern Missouri U.S. Bank Average
13.72% 12.76%

Farmers Bank of Northern Missouri has a Capitalization of 13.72% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Farmers Bank of Northern Missouri Balance Sheet Analysis

As of June 30, 2019, Farmers Bank of Northern Missouri had assets of $368,152,000, loans of $229,169,000, and deposits of $314,873,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.23 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.32 billion
LIABILITIES
Total deposits $0.31 billion
      Interest-bearing deposits $0.23 billion
      Deposits held in domestic offices $0.31 billion
      % insured (estimated) 88.49%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.32 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Farmers Bank of Northern Missouri’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Farmers Bank of Northern Missouri has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.03
Multifamily
Mortgages
0.06
Credit Card Loans 0.00
Consumer Auto Loans 1.30
Small Business Loans 5.02
Construction and Development Loans 1.53
Commercial Real Estate 5.61
Commercial and Industrial Loans 6.79
Farm Loans 28.36

Frequently Asked Questions About Farmers Bank Of Northern Missouri

Branches and Savings

Is Farmers Bank Of Northern Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #4539.

Why does Farmers Bank Of Northern Missouri pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Farmers Bank Of Northern Missouri CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Farmers Bank Of Northern Missouri a commercial bank?

Yes

Where are Farmers Bank Of Northern Missouri locations?

See branch locations nearby.

Is Farmers Bank Of Northern Missouri open on Saturdays?

Is Farmers Bank Of Northern Missouri open on Sundays?

What time does Farmers Bank Of Northern Missouri open?

What time does Farmers Bank Of Northern Missouri close?

Are Farmers Bank Of Northern Missouri ATMs Open 24/7?

Do Farmers Bank Of Northern Missouri ATMs accept cash deposits?

Can Farmers Bank Of Northern Missouri customers use other ATMs?

Do Farmers Bank Of Northern Missouri branches have notaries?

Will Farmers Bank Of Northern Missouri notarize my document?

What address for Farmers Bank Of Northern Missouri should I put for incoming ACH transfers?

Will the Farmers Bank Of Northern Missouri branch print checks?

Do Farmers Bank Of Northern Missouri checks expire?

Does Farmers Bank Of Northern Missouri require US citizenship to open account?

Can Farmers Bank Of Northern Missouri close my account?

Does Farmers Bank Of Northern Missouri Report to credit bureaus?

Does Farmers Bank Of Northern Missouri Use Equifax?

What is Farmers Bank Of Northern Missouri's ACH Routing Number?

What is Farmers Bank Of Northern Missouri's SWIFT code?

Products

Does Farmers Bank Of Northern Missouri offer mortgages?

Compare mortgage rates here.

Does Farmers Bank Of Northern Missouri offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers Bank Of Northern Missouri offer personal loans?

Compare personal loan rates here.

Does Farmers Bank Of Northern Missouri offer student loans?

Will Farmers Bank Of Northern Missouri cash a check?

Will Farmers Bank Of Northern Missouri redeem a savings bond?

Does Farmers Bank Of Northern Missouri cash savings bonds?

Will Farmers Bank Of Northern Missouri cash money orders?

Can Farmers Bank Of Northern Missouri issue a money order?

Does Farmers Bank Of Northern Missouri do currency exchange?

Background on The Bank

Who owns Farmers Bank Of Northern Missouri?

How long has Farmers Bank Of Northern Missouri been around?

Can Farmers Bank Of Northern Missouri transfer to other banks?

Does Farmers Bank Of Northern Missouri have quick pay?

Does Farmers Bank Of Northern Missouri accept rolled coins?

Will Farmers Bank Of Northern Missouri accept loose change?

Where is Farmers Bank Of Northern Missouri headquarters?

Customer Reviews for Farmers Bank of Northern Missouri

There are currently no comments for Farmers Bank of Northern Missouri. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →