Farmers Bank of Northern Missouri: how it compares with its peers
Against 70 MO banks with half to twice its assets, Farmers Bank of Northern Missouri's strongest measure in Q2 2026 is efficiency ratio (54.57% vs. a 56.91% peer median). Its weakest relative measure is net interest margin (3.81% vs. 4.16%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.58% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.16% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.57% | 56.91% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.9M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.08% | 88.55% | Context |
What it means for lending operations
Its efficiency ratio of 54.57% is better than the 56.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Table Rock Community Bank Kimberling City, MO · $569M
- United Bank of Union Union, MO · $578M
- Belgrade State Bank Belgrade, MO · $548M
- Regional Missouri Bank Marceline, MO · $597M
- First State Bank of St. Charles, Missouri St. Charles, MO · $535M
- The Maries County Bank Vienna, MO · $600M
Questions about Farmers Bank of Northern Missouri
How big is Farmers Bank of Northern Missouri?
Farmers Bank of Northern Missouri, established in 1901, is headquartered in Unionville, MO. It reported $567M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Farmers Bank of Northern Missouri's return on assets?
1.29% annualized in Q2 2026, against a 1.58% median for 70 MO banks with half to twice its assets, ahead of 23% of them.
What is Farmers Bank of Northern Missouri's efficiency ratio?
54.57% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 56.91%, and lower is better.
Is Farmers Bank of Northern Missouri growing its loans?
Net loans grew 9.3% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.