First Independent Bank
Aurora, MO · Cert 18380 · Peer group: banks under $1B in assets in MO (n=82-83) · First Ind Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$147.6MAssets
$73.9MLoans
$131.4MDeposits
$15.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 51% of banks under $1B in assets in MO (rank 41 of 83).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in MO (rank 78 of 82).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.20%
Rank 45 of 83
Net Interest Margin
3.60%
Rank 55 of 83
Efficiency Ratio
60.40%
Rank 48 of 83
Equity / Assets
10.72%
Rank 41 of 83
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 43% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.96% | 1.32% | 1.75% | Beats 46% | 45 / 83 | |
| Return on Equity | 11.21% | 9.66% | 12.96% | 15.76% | Beats 35% | 54 / 83 | |
| Net Interest Margin | 3.60% | 3.35% | 3.85% | 4.16% | Beats 34% | 55 / 83 | |
| Efficiency Ratio | 60.40% | 49.83% | 58.83% | 68.51% | Beats 43% | 48 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.08% | 0.51% | 1.01% | Beats 27% | 61 / 82 | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.06% | Beats 6% | 78 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.01% | 12.49% | 14.98% | Beats 39% | 51 / 83 | |
| Total Risk-Based Capital Ratio | 11.63% | 11.13% | 13.01% | 15.10% | Beats 34% | 55 / 83 | |
| Equity / Assets | 10.72% | 8.83% | 10.71% | 13.29% | Beats 51% | 41 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 56.28% | 69.28% | 83.22% | 91.21% | 9th pctl | 75 / 82 | |
| Loans / Assets | 50.07% | 59.34% | 71.15% | 78.36% | 11th pctl | 74 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |