First Independent Bank


1100 South Elliott Avenue
Aurora, MO 65605
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Independent Bank is an FDIC insured institution located in Aurora, MO. It was founded in 1906 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18380
Date Established 1906
Assets $ 119.54 million
Loans $ 53.12 million
Deposits $ 107.46 million
Capital $ 11.94 million

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

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Independent Bank

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 2021

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Flagstar Bank, FSB
NMLS ID: 417490
3.151% 3.125%
0.38 points
$828 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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After Intro: 4.840 %
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Third Federal Savings and Loan
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2.240 %
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Note to First Independent Bank
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Financial Details

First Independent Bank Ratio Analysis

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

Texas Ratio
First Independent Bank U.S. Bank Average
4.6% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, First Independent Bank had $584,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,941,000 in equity and $751,000 in loans loss reserves. That gives it a Texas Ratio of 4.6%.

Return on Equity
First Independent Bank U.S. Bank Average
4.5% 11.43%

First Independent Bank has a Return on Equity of 4.5% versus the BestCashCow average of 11.43%. 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.

First Independent Bank U.S. Bank Average
9.99% 11.51%

First Independent Bank has a Capitalization of 9.99% versus the BestCashCow average of 11.51. 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.

First Independent Bank Balance Sheet Analysis

As of March 31, 2021, First Independent Bank had assets of $119,541,000, loans of $53,119,000, and deposits of $107,455,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 8.60 million
Interest-bearing balances $ 6.14 million
Total securities $ 45.76 million
Federal funds sold and reverse repurchase $ 9.03 million
Net loans and leases $ 53.12 million
Loan loss allowance $ 0.75 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.41 million
     Total Assets $ 107.60 million
Total deposits $ 107.46 million
      Interest-bearing deposits $ 80.78 million
      Deposits held in domestic offices $ 107.46 million
      % insured (estimated) 96.36%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.15 million
      Total Liabilities $ 107.60 million
      Shareholders’ Equity $ 11.94 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 0.85 million
Total Interest Expense $ 0.14 million
Net interest income $ 0.71 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.11 million
Total non interest expense $ 0.63 million
Pre-tax Net Operating Income $ 0.17 million

Bank Loan Profile?

The top three loan types in First Independent Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, First Independent Bank’s loan portfolio does not show any specific loan specialty.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.14
Credit Card Loans 0.00
Consumer Auto Loans 2.94
Small Business Loans 0.00
Construction and Development Loans 3.36
Commercial Real Estate 15.82
Commercial and Industrial Loans 16.79
Farm Loans 4.08

Frequently Asked Questions About First Independent Bank

Branches and Savings

Is First Independent Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18380.

Why does First Independent Bank pay such low interest on savings accounts?

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

Why are First Independent Bank CD rates not competitive?

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

Is First Independent Bank a commercial bank?


Where are First Independent Bank locations?

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Is First Independent Bank open on Saturdays?

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Does First Independent Bank offer mortgages?

Compare mortgage rates here.

Does First Independent Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Independent Bank offer personal loans?

Compare personal loan rates here.

Does First Independent Bank offer student loans?

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Background on The Bank

Who owns First Independent Bank?

How long has First Independent Bank been around?

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Does First Independent Bank have quick pay?

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