🏦Bank Scorer

INDEPENDENT FARMERS BANK

MAYSVILLE, MO · Supervised by FDIC

Est. 1920FDIC #11,462RSSD: FDIC-11462
Part ofFARMERS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

201 W Main St, MAYSVILLE, MO

County

Dekalb County

Established

March 12, 1920

Total Assets

$154M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$154M

Total Deposits

$142M

Net Loans

$85M

Net Income

$392K

ROA

1.03%

ROE

14.15%

Risk-Based Capital

17.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate14.29%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$135M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244981.63%14.29%
20232290.91%0.00%
20192580%12.00%
20184178.05%9.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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