TellerScore

Farmers Bank of Northern Missouri (FDIC certificate #4539) is based in Unionville, Missouri. Its Q2 2026 call report shows $566.5M in total assets and $478.4M in deposits and 10 offices across 2 states.

Farmers Bank of Northern Missouri has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 32nd. Problem-loan coverage contributes the most (97/100, 1.3%); earnings contributes the least (72/100, 1.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.71%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 68.1% · 18.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 83).

TellerScore
788285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202484
Q4 202482
Q1 202578
Q2 202583
Q3 202585
Q4 202584
Q1 202682
Q2 202683
Tier 1 leverage ratio
5.00%9.08%13.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.57%
Q3 202412.91%
Q4 202412.66%
Q1 202512.55%
Q2 202512.87%
Q3 202513.16%
Q4 202513.06%
Q1 202612.50%
Q2 202612.71%
Noncurrent loans
0.17%0.21%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.17%
Q4 20240.19%
Q1 20250.23%
Q2 20250.20%
Q3 20250.21%
Q4 20250.18%
Q1 20260.21%
Q2 20260.26%
Return on assets
0.58%0.93%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.09%
Q4 20240.91%
Q1 20250.58%
Q2 20250.97%
Q3 20251.16%
Q4 20251.06%
Q1 20261.10%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$566.5M12.71%0.26%1.29%68.1%
Q1 202682$568.6M12.50%0.21%1.10%64.7%
Q4 202584$567.3M13.06%0.18%1.06%64.0%
Q3 202585$539.8M13.16%0.21%1.16%65.4%
Q2 202583$533.8M12.87%0.20%0.97%65.7%
Q1 202578$533.4M12.55%0.23%0.58%61.5%
Q4 202482$533.1M12.66%0.19%0.91%60.4%
Q3 202484$508.7M12.91%0.17%1.09%62.3%
Q2 202484$507.5M12.57%0.20%1.12%59.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.71%
72nd
Total risk-based capital0.00%
24th
Problem loans0.26%
61st
Net charge-offs0.02%
37th
Return on assets1.29%
53rd
Net interest margin3.81%
43rd
Efficiency ratio54.6%
73rd
Loans to deposits68.1%
72nd
Uninsured deposits18.1%
71st
Loan-loss reserves1.20%
51st
Texas ratio1.3%
65th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Table Rock Community BankBank Kimberling City, MO65 out of 100, Moderate$568.9M8.3%0.24%vs
United Bank of UnionBank Union, MO48 out of 100, Below average$577.5M9.6%2.36%vs
Belgrade State BankBank Belgrade, MO74 out of 100, Strong$548.0M10.1%0.35%vs
Regional Missouri BankBank Marceline, MO84 out of 100, Strong$597.4M11.6%0.07%vs
First State Bank of St. Charles, MissouriBank St. Charles, MO85 out of 100, Very strong$535.2M15.6%0.40%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs

Deposit insurance

Is my money safe at Farmers Bank of Northern Missouri?

Yes. Farmers Bank of Northern Missouri is an FDIC-insured institution (FDIC certificate #4539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($86.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Farmers Bank of Northern Missouri lists 10 offices in 10 cities across 2 states. Most locations:

  • Bethany, MO (1)
  • Centerville, IA (1)
  • Corydon, IA (1)
  • Gallatin, MO (1)
  • Jamesport, MO (1)
  • Leon, IA (1)
  • Mercer, MO (1)
  • Princeton, MO (1)
  • Trenton, MO (1)
  • Unionville, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers Bank of Northern Missouri
Former names
Farmers Bank of Northern Missouri, National Association; The First National Bank of Gallatin
Type
State-chartered bank (Fed member)
FDIC certificate #
4539
RSSD ID
303952
Primary regulator
FED
Holding company
Northern Mo Bancshares Inc
Established
June 1, 1901
Headquarters
1604 Main St, Unionville, MO 63565
Employees
94

Quick answers

Farmers Bank of Northern Missouri: common questions

Is Farmers Bank of Northern Missouri FDIC insured?

Yes. Farmers Bank of Northern Missouri is an FDIC-insured institution (FDIC certificate #4539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank of Northern Missouri's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Bank of Northern Missouri ever failed?

There is no failure record for FDIC certificate #4539 in the FDIC failed bank list.

How many branches does Farmers Bank of Northern Missouri have?

10 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Unionville

InstitutionScoreAssetsCapitalProblem loansCompare
Industrial Employees Credit UnionCredit union Centerville, IA91 out of 100, Very strong$9.2M22.2%0.05%vs
Iowa Trust and Savings BankBank Centerville, IA91 out of 100, Very strong$210.6M13.5%0.01%vs
Putnam County State BankBank Unionville, MO80 out of 100, Strong$317.6M13.5%0.62%vs
Verimore BankBank Brookfield, MO76 out of 100, Strong$639.1M10.6%0.26%vs
Corydon State BankBank Corydon, IA71 out of 100, Strong$138.0M25.7%5.45%vs
PSB BankBank Rhineland, MO65 out of 100, Moderate$854.5M8.1%0.29%vs