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American Bank of Freedom

Wellsville, MO · Cert 15423 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Evergreen Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$948.3MAssets
$699.7MLoans
$736.5MDeposits
$97.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 63% of banks under $1B in assets in the St. Louis, MO-IL area (rank 15 of 40).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets in the St. Louis, MO-IL area (rank 32 of 40).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.64%

Rank 30 of 40

Net Interest Margin

2.97%

Rank 32 of 40

Efficiency Ratio

70.87%

Rank 28 of 40

Equity / Assets

10.26%

Rank 17 of 40

Non-interest income vs. expense

$2.1M$21.9MINCOMEEXPENSE
Unfavorable gap of $19.8M · efficiency ratio beats 32% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 70.87%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.64%0.64%1.04%1.26%Beats 25%30 / 40
Return on Equity6.25%6.25%9.97%13.41%Beats 25%30 / 40
Net Interest Margin2.97%3.09%3.22%3.62%Beats 20%32 / 40
Efficiency Ratio70.87%57.08%64.37%75.86%Beats 32%28 / 40
Asset Quality
Nonperforming Loans / Loans1.54%0.14%0.62%1.92%Beats 32%27 / 38
Net Charge-Offs / Loans0.03%0.00%0.01%0.09%Beats 34%26 / 38
Capital
Tier 1 Capital Ratio13.55%10.29%12.88%15.77%Beats 60%16 / 40
Total Risk-Based Capital Ratio14.80%10.64%13.30%17.01%Beats 63%15 / 40
Equity / Assets10.26%8.59%9.46%12.46%Beats 57%17 / 40
Liquidity & Funding
Loans / Deposits95.00%66.12%79.48%94.60%78th pctl9 / 40
Loans / Assets73.79%54.69%68.52%77.46%65th pctl14 / 40
Brokered Deposits / Depositsn/aNot reported for this institution