First Independent Bank
Aurora, Missouri · FDIC Cert #18380
This is the FDIC profile for First Independent Bank, an FDIC-insured bank (Certificate #18380) with $132M in total assets and $119M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Aurora, Missouri, the bank maintains a Tier 1 capital ratio of 11.25% (Well-Capitalized) and a nonperforming loan ratio of 0.13%. BankHealthData assigns a composite Health Grade of A (84/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Independent Bank (FDIC cert 18380) is a community bank — $132M in total assets, $119M in deposits, serving the Aurora, 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 11.25% 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 clean: non-performing loan ratio of 0.13% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 42.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.84% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Independent Bank carries a composite BankHealth grade of A (84/100) 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: First Independent Bank
- Total Assets
- $132M
- Total Deposits
- $119M
- Tier 1 Capital Ratio
- 11.25%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.13%
- Liquidity Ratio
- 42.50%
- Return on Assets
- 0.84%
- Headquarters
- Aurora, Missouri
- FDIC Certificate
- #18380
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Independent Bank files quarterly Call Reports with the FDIC under Certificate #18380. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First Independent Bank holds a Tier 1 capital ratio of 11.25%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Independent Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Independent Bank shows strong financial health indicators. With $132M in assets and a Health Score of 84/100, 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 First Independent Bank Compares
First Independent Bank’s Health Score of 84 is 5 points above the Missouri state average of 79 across 193 FDIC-insured banks. Its 11.25% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 0.13% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.84% is below the national ROA benchmark of ~1.1%. Among 1281 similarly-sized banks, the average Health Score is 82, meaning this bank ranks above its size cohort. Site-wide, First Independent Bank is 4 points above the portfolio average of 80.
Frequently Asked Questions
First Independent Bank has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.25%, 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. First Independent Bank's Tier 1 capital ratio of 11.25% and nonperforming loan ratio of 0.13% 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 First Independent Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18380). 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.
First Independent Bank holds $132M in total assets and $119M in total deposits. It is headquartered in Aurora, Missouri (FDIC Certificate #18380).
First Independent Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #18380 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Independent Bank has a Tier 1 capital ratio of 11.25%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.13%, and the return on assets is 0.84%.
Yes. First Independent Bank is FDIC-insured (Certificate #18380). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Independent Bank'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.