This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Unionville, MO
Health score
86.0
Total assets
$566.5M
Bank
Union, MO
Health score
75.9
Total assets
$577.5M
Answer first
Farmers Bank of Northern Missouri leads on financial health and capitalization and lending quality and growth; United Bank of Union leads on profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Farmers Bank of Northern Missouri
Higher TFS health score
Capitalization
Farmers Bank of Northern Missouri
Higher comparable capital ratio
Profitability
United Bank of Union
Higher return on assets
Lending quality
Farmers Bank of Northern Missouri
Lower problem-loan measure
Growth
Farmers Bank of Northern Missouri
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Farmers Bank of Northern Missouri | United Bank of Union |
|---|---|---|
| TFS health score | 86.0/100Leads | 75.9/100 |
| Total assets | $566.5M | $577.5M |
| Total deposits / shares | $478.4M | $491.1M |
| Tier 1 capital ratio | 12.71%Leads | 9.65% |
| Return on assets | 1.29% | 1.46%Leads |
| Return on equity | 11.22% | 17.79% |
Farmers Bank of Northern Missouri
10 branches
United Bank of Union
3 branches
Both institutions report branches in 1 state: MO.
Farmers Bank of Northern Missouri
Unavailable
United Bank of Union
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Farmers Bank of Northern Missouri
0 in TFS registry
United Bank of Union
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Farmers Bank of Northern Missouri score | Farmers Bank of Northern Missouri ROA | United Bank of Union score | United Bank of Union ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.09% | — | 1.02% |
| 2024-Q4 | — | 0.91% | — | 0.70% |
| 2025-Q1 | — | 0.58% | — | 1.18% |
| 2025-Q2 | — | 0.97% | — | 1.26% |
| 2025-Q3 | — | 1.16% | — | 1.34% |
| 2025-Q4 | — | 1.06% | — | 1.37% |
| 2026-Q1 | 81.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.26%Leads | 2.36% |
| Net charge-offs | 0.02% | -0.03%Leads |
| Efficiency ratio | 54.57%Leads | 61.59% |
| Loan-to-deposit ratio | 68.08% | 96.90% |
| Asset growth (YoY) | 6.13%Leads | 2.71% |
| Deposit / share growth (YoY) | 5.58%Leads | 4.28% |
| Branches | 10 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.10% |
| 74.4/100 |
| 1.35% |
| 2026-Q2 | 86.0/100 | 1.29% | 75.9/100 | 1.46% |