First Independent Bank (FDIC certificate #18380) is based in Aurora, Missouri. Its Q2 2026 call report shows $147.6M in total assets and $131.4M in deposits and 1 office.
Based on its Q2 2026 filing, First Independent Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 85th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 6% uninsured), and its lowest is capital cushion (66/100; 11.63%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 6 points (68 → 74), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 66 |
| Q4 2024 | 72 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.25% |
| Q3 2024 | 11.33% |
| Q4 2024 | 11.51% |
| Q1 2025 | 11.17% |
| Q2 2025 | 11.23% |
| Q3 2025 | 11.47% |
| Q4 2025 | 11.51% |
| Q1 2026 | 11.65% |
| Q2 2026 | 11.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 1.29% |
| Q4 2024 | 0.81% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.80% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.87% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $147.6M | 11.63% | 1.00% | 1.24% | 55.5% |
| Q1 2026 | 71 | $142.6M | 11.65% | 1.46% | 1.26% | 57.8% |
| Q4 2025 | 69 | $139.4M | 11.51% | 1.21% | 0.87% | 59.3% |
| Q3 2025 | 69 | $140.4M | 11.47% | 1.45% | 1.05% | 58.6% |
| Q2 2025 | 68 | $139.7M | 11.23% | 1.40% | 1.10% | 57.6% |
| Q1 2025 | 68 | $137.4M | 11.17% | 1.18% | 0.80% | 59.4% |
| Q4 2024 | 72 | $133.4M | 11.51% | 0.81% | 0.81% | 61.0% |
| Q3 2024 | 66 | $132.5M | 11.33% | 1.29% | 0.71% | 61.3% |
| Q2 2024 | 76 | $131.6M | 11.25% | 0.13% | 0.62% | 60.1% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank Co.Bank Altenburg, MO | 67 out of 100, Moderate | $147.7M | 8.4% | 0.06% | vs |
| Bank of SalemBank Salem, MO | 65 out of 100, Moderate | $147.0M | 9.5% | 0.71% | vs |
| Peoples Bank of Wyaconda, MissouriBank Kahoka, MO | 78 out of 100, Strong | $148.5M | 10.6% | 0.02% | vs |
| Security Bank of Southwest MissouriBank Cassville, MO | 68 out of 100, Moderate | $146.8M | 12.7% | 2.18% | vs |
| Independent Farmers BankBank Maysville, MO | 71 out of 100, Strong | $146.5M | 10.5% | 0.66% | vs |
| Jonesburg State BankBank Jonesburg, MO | 81 out of 100, Strong | $145.6M | 9.9% | 0.00% | vs |
Deposit insurance
Is my money safe at First Independent Bank?
Yes. First Independent Bank is an FDIC-insured institution (FDIC certificate #18380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.8% of deposits ($7.6M) 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 11.63%, 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%).
1 location
Branches
First Independent Bank lists 1 office in 1 city. Most locations:
- Aurora, MO (1)
Identity & history
Profile
- Legal name
- First Independent Bank
- Former names
- Bank of Seligman
- Type
- State-chartered bank
- FDIC certificate #
- 18380
- RSSD ID
- 366658
- Primary regulator
- FDIC
- Holding company
- First Ind Bancshares Inc
- Established
- January 1, 1906
- Headquarters
- 1100 S Elliott Ave, Aurora, MO 65605
- Website
- www.fibaurora.com
- Employees
- 24
Quick answers
First Independent Bank: common questions
Is First Independent Bank FDIC insured?
Yes. First Independent Bank is an FDIC-insured institution (FDIC certificate #18380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Independent Bank's TellerScore?
74 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 First Independent Bank ever failed?
There is no failure record for FDIC certificate #18380 in the FDIC failed bank list.
How many branches does First Independent Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Aurora
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Telcomm Credit UnionCredit union Springfield, MO | 77 out of 100, Strong | $337.9M | 13.2% | 0.25% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Metro Credit UnionCredit union Springfield, MO | 76 out of 100, Strong | $123.0M | 13.0% | 0.90% | vs |