Farmers Bank Of Northern Mo (FDIC #4539): Bank Stress & Real-Estate Credit Exposure

Farmers Bank Of Northern Mo (FDIC Cert #4539): bank stress 59/100, moderate, STABLE over 7 days; parent NORTHERN MO BANCSHARES INC.

Farmers Bank Of Northern Mo (#4539) lends in 8 counties across 2 states; Farmers Bank Of Northern Mo (#4539) reaches 73 ZIP codes: Missouri 5 counties, 43 ZIPs; Iowa 3 counties, 30 ZIPs.

Farmers Bank Of Northern Mo (#4539) largest markets: Daviess County, MO (32 branches, 16 ZIPs) (#4539), Harrison County, MO (13 branches, 13 ZIPs) (#4539), Wayne County, IA (13 branches, 13 ZIPs) (#4539), Decatur County, IA (11 branches, 11 ZIPs) (#4539), Appanoose County, IA (11 branches, 11 ZIPs) (#4539), Putnam County, MO (10 branches, 10 ZIPs) (#4539).

Farmers Bank Of Northern Mo (#4539) reports $566.5 million in total assets; Farmers Bank Of Northern Mo (#4539) equity $65.8 million (11.6% of Farmers Bank Of Northern Mo (#4539) assets); Farmers Bank Of Northern Mo (#4539) domestic deposits $478.4 million; Farmers Bank Of Northern Mo (#4539) net income $3.7 million; Farmers Bank Of Northern Mo (#4539) return on assets 1.29%; Farmers Bank Of Northern Mo (#4539) return on equity 11.22%; Farmers Bank Of Northern Mo (#4539) net interest income $10.0 million; Farmers Bank Of Northern Mo (#4539) call report June 30, 2026.

Farmers Bank Of Northern Mo (#4539) noncurrent real-estate loans: none reported; Farmers Bank Of Northern Mo (#4539) net charge-offs on real estate 0.28%; Farmers Bank Of Northern Mo (#4539) residential charge-offs 0.25%.

Farmers Bank Of Northern Mo (#4539) net interest margin 3.81% against an eight-quarter Farmers Bank Of Northern Mo (#4539) average of 3.57% (Farmers Bank Of Northern Mo (#4539) compression -0.24 points); Farmers Bank Of Northern Mo (#4539) non-residential real estate 24.6% of equity; Farmers Bank Of Northern Mo (#4539) rate-exposure score 40/100, Farmers Bank Of Northern Mo (#4539) fixed-rate trap 40/100; Farmers Bank Of Northern Mo (#4539) risk type credit driven; Farmers Bank Of Northern Mo (#4539) rate regime rates elevated, Farmers Bank Of Northern Mo (#4539) snapshot October 20, 2026.

Farmers Bank Of Northern Mo (#4539) stress score moved from 62.6 on June 22, 2026 to 59 on October 20, 2026; Farmers Bank Of Northern Mo (#4539) ranged 59 to 62.6 over 117 snapshots.

Farmers Bank Of Northern Mo (#4539) alerts: 8 counties; top Farmers Bank Of Northern Mo (#4539) alert scores: Bethany County, MO 20 (low); Centerville County, MO 20 (low); Corydon County, MO 20 (low); Jamesport County, MO 20 (low); Leon County, MO 20 (low).