B
Farm Bureau Town & Country Ins
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair profitability index (3.3 on a scale of 0 to 10) with operating losses during 2023, 2024 and the first six months of 2025. Average return on equity over the last five years has been poor at -2.2%. History of adequate reserve strength (5.9) as reserves have been consistently at an acceptable level. Good liquidity (6.4) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (6.5) despite. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (44.4%), homeowners (26.7%), farmowners (19.8%), comm multi (7.5%), other (1.5%)
Licensed in: MO
Principal Investments: Investment grade bonds (72.7%), common stock (13.7%), cash (2.8%), non investment grade bonds (1.8%), other (9.0%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Missouri Farm Bureau Federation
Investment Rating
--
Company Address
701 South Country Club Drive
Jefferson City, MO 65109
Phone Number
(573) 893-1438
NAIC Number
26859
Largest Affiliates
C
Jefferson City, MO - L&A
B
Jefferson City, MO - P&C
B
Jefferson City, MO - L&A