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American Bank of Freedom

Wellsville, MO · Cert 15423 · Evergreen Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$948.3MAssets
$699.7MLoans
$736.5MDeposits
$97.2MEquity
Loan mix
90%RE $651.2M10%C&I $73.4M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $681.8M7%Noninterest $54.7MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.4% share · #41 of 111 inst. · $0.5B of $141.7B

25.2% Warren
0.4% St. Louis
1.3% Sangamon
1.2% St. Charles

Executive Summary

  • Earnings: ROA of 0.70%, up 20 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 1.54% of loans (-39 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.01%, up 22 bps from a year ago.
  • Funding: loans stand at 95.00% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.70%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+12 bps YoY

Efficiency Ratio (quarter, annualized)

68.97%-776 bps YoY

Tier 1 Leverage Ratio

10.01%+22 bps YoY

NIM

6.31%Q2 ’246.12%Q2 ’255.93%Q2 ’26+1%+4%

Non-interest income vs. expense

2.31%Q2 ’242.33%Q2 ’252.25%Q2 ’26+7%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.66%0.57%0.50%0.57%0.05%0.55%0.70%+20 bps
Return on Equity0.70%6.98%5.93%5.20%5.88%0.49%5.65%7.03%+183 bps
Net Interest Margin2.75%2.79%2.78%2.92%3.06%2.86%2.86%3.05%+12 bps
Efficiency Ratio48.42%70.77%74.51%76.73%70.81%68.01%71.89%68.97%-776 bps
Non-Interest Burden0.61%1.94%2.04%2.22%2.13%1.87%2.00%2.04%-18 bps
Growth
Asset Growth (YoY)18.21%6.10%7.01%2.64%2.77%4.20%4.76%0.51%-213 bps
Loan Growth (YoY)16.13%8.47%6.64%1.59%-1.56%-2.83%-4.99%-9.19%-1,078 bps
Deposit Growth (YoY)21.83%10.73%6.94%2.61%2.95%3.29%6.55%4.18%+157 bps
Asset Quality
Nonperforming Loans / Loans1.68%1.72%2.10%1.93%1.10%1.87%2.11%1.54%-39 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.59%3.21%0.35%0.08%0.01%-58 bps
Allowance / Loans1.79%1.83%1.81%1.68%0.95%1.19%1.23%1.31%-37 bps
Allowance Coverage of NPLs1.1x1.1x0.9x0.9x0.9x0.6x0.6x0.9x0.0x
Capital
Tier 1 Leverage Ratio9.56%9.51%9.75%9.79%9.85%9.66%9.75%10.01%+22 bps
Total Risk-Based Capital12.08%13.06%13.12%13.34%13.28%13.95%14.04%14.80%+146 bps
Equity / Assets9.38%9.49%9.62%9.75%9.71%9.71%9.70%10.26%+50 bps
Liquidity & Funding
Loans / Deposits108.85%106.31%108.92%108.99%104.08%100.01%97.13%95.00%-1,399 bps
Liquid Assets / Assets6.16%6.34%6.18%5.86%8.84%12.31%13.88%13.27%+741 bps
CRE / Total Capitaln/an/an/an/a534%523%518%n/an/a