Farmbank
Green City, Missouri · FDIC Cert #16103
Farmbank is an FDIC-insured bank (Certificate #16103) with $78M in total assets and $72M in total deposits as of the Q2 2024 Call Report. Headquartered in Green City, Missouri, the bank maintains a Tier 1 capital ratio of 11.44% (Well-Capitalized) and a nonperforming loan ratio of 0.78%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Farmbank (FDIC cert 16103) is a community bank — $78M in total assets, $72M in deposits, serving the Green City, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.44% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.78% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 32.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.26% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Farmbank carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Farmbank
- Total Assets
- $78M
- Total Deposits
- $72M
- Tier 1 Capital Ratio
- 11.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.78%
- Liquidity Ratio
- 32.61%
- Return on Assets
- -0.26%
- Headquarters
- Green City, Missouri
- FDIC Certificate
- #16103
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Farmbank holds a Tier 1 capital ratio of 11.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Farmbank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Farmbank shows strong financial health indicators. With $78M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Farmbank Compares
Farmbank’s Health Score of 77 is 10 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 11.44% Tier 1 capital ratio is 2.6 points below the US banking industry average near 14%. The 0.78% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.26% is below the national ROA benchmark of ~1.1%. Among 886 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Farmbank is 7 points above the portfolio average of 70.
Frequently Asked Questions
Farmbank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Farmbank's Tier 1 capital ratio of 11.44% and nonperforming loan ratio of 0.78% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Farmbank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16103). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Farmbank holds $78M in total assets and $72M in total deposits. It is headquartered in Green City, Missouri (FDIC Certificate #16103).
Farmbank has a Tier 1 capital ratio of 11.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.78%, and the return on assets is -0.26%.
Yes. Farmbank is FDIC-insured (Certificate #16103). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Farmbank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.