Freedom Bank of Southern Missouri
Cassville, MO · Cert 35276 · Peer group: banks under $1B in assets in MO (n=82-83) · Freedom Bancshares of S MO Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$850.1MAssets
$706.2MLoans
$760.1MDeposits
$75.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets in MO (rank 18 of 83).
- Widest gap: tier 1 capital ratio trails 82% of banks under $1B in assets in MO (rank 68 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.48%
Rank 32 of 83
Net Interest Margin
3.80%
Rank 45 of 83
Efficiency Ratio
51.21%
Rank 23 of 83
Equity / Assets
8.87%
Rank 62 of 83
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 73% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.96% | 1.32% | 1.75% | Beats 61% | 32 / 83 | |
| Return on Equity | 16.73% | 9.66% | 12.96% | 15.76% | Beats 78% | 18 / 83 | |
| Net Interest Margin | 3.80% | 3.35% | 3.85% | 4.16% | Beats 46% | 45 / 83 | |
| Efficiency Ratio | 51.21% | 49.83% | 58.83% | 68.51% | Beats 73% | 23 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.08% | 0.51% | 1.01% | Beats 70% | 26 / 82 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 37% | 53 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 10.65% | 11.01% | 12.49% | 14.98% | Beats 18% | 68 / 83 | |
| Total Risk-Based Capital Ratio | 11.54% | 11.13% | 13.01% | 15.10% | Beats 30% | 58 / 83 | |
| Equity / Assets | 8.87% | 8.83% | 10.71% | 13.29% | Beats 25% | 62 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 92.91% | 69.28% | 83.22% | 91.21% | 78th pctl | 18 / 82 | |
| Loans / Assets | 83.08% | 59.34% | 71.15% | 78.36% | 90th pctl | 8 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |