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First Independent Bank

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First Independent Bank Rates & Review August 2026

Q: How many branches does First Independent Bank operate?

First Independent Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Independent Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Independent Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

First Independent Bank's Personal Loan Rates are at 5.47%. MonitorBankRates evaluates the financial stability of First Independent Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.73%. Rates last updated and verified on 08/30/2026.

First Independent Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Independent Bank? Share your experience about First Independent Bank by leaving a review below, or read customer reviews before you decide to use First Independent Bank.

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.73%

Excellent Lower than avg

First Independent Bank

1100 S Elliott Ave
Aurora, MO 65605

https://www.fibaurora.com

First Independent Bank Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Used Vehicles Loan	-	-	5.47%	2 years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.73%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Independent Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Independent Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Independent Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Independent Bank

Bank Holding Company FIRST IND BANCSHARES INC

Address 1100 S Elliott Ave, Aurora, MO 65605 · Lawrence

Website https://www.fibaurora.com

FDIC Certificate # 18380

Established 01/01/1906

FDIC Insurance Date 05/04/1961

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.73%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5178%

Return on Equity (ROE) 6.1700%

Non-Performing Loans (NPL) 0.21%

Total Assets $139,431,000

Total Deposits $123,730,000

Equity Capital $15,342,000

Net Income $1,205,000

Headquarters Aurora

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

First Independent Bank earned the Verified Strong badge

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Frequently Asked Questions About First Independent Bank

How many branches does First Independent Bank operate?

First Independent Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Independent Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Independent Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Independent Bank offer online and mobile banking?

Most modern institutions like First Independent Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fibaurora.com.