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Freedom Bank of Southern Missouri

Cassville, MO · Cert 35276 · Freedom Bancshares of S MO Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$850.1MAssets
$706.2MLoans
$760.1MDeposits
$75.4MEquity
Loan mix
88%RE $566.0M9%C&I $58.6M3%Consumer $18.4MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $661.7M13%Noninterest $98.4MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.63%Q2 ’256.01%Q2 ’26+13%+17%

Non-interest income vs. expense

2.11%Q2 ’242.12%Q2 ’252.10%Q2 ’26+3%-1%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.7% share · #26 of 41 inst. · $0.1B of $17.8B

51.2% Barry
0.9% Greene
4.7% Lawrence

Executive Summary

  • Earnings: ROA of 1.52%, up 39 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.13% of loans (+2 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.72%, down 12 bps from a year ago.
  • Funding: loans stand at 92.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+54 bps YoY

Efficiency Ratio (YTD, annualized)

50.69%-819 bps YoY

Tier 1 Leverage Ratio

8.72%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.13%1.00%1.46%1.52%+39 bps
Return on Equity13.10%13.00%11.63%17.44%17.78%+468 bps
Net Interest Margin3.26%3.38%3.31%3.72%3.80%+54 bps
Efficiency Ratio58.88%57.28%61.84%51.55%50.69%-819 bps
Non-Interest Burden1.78%1.79%1.92%1.76%1.76%-2 bps
Growth
Asset Growth (YoY)7.51%10.40%13.86%13.65%14.44%+693 bps
Loan Growth (YoY)13.10%16.33%17.78%19.68%18.54%+544 bps
Deposit Growth (YoY)7.02%8.16%11.62%12.35%12.88%+586 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.15%0.32%0.37%0.13%+2 bps
Net Charge-Offs / Loans0.06%0.12%0.06%-0.01%0.04%-2 bps
Allowance / Loans0.79%0.79%0.86%0.86%0.86%+6 bps
Allowance Coverage of NPLs7.5x5.2x2.7x2.3x6.6x-0.9x
Capital
Tier 1 Leverage Ratio8.84%9.03%8.23%8.25%8.72%-12 bps
Total Risk-Based Capital12.66%9.03%8.23%8.25%11.54%-112 bps
Equity / Assets8.82%8.95%8.38%8.33%8.87%+5 bps
Liquidity & Funding
Loans / Deposits88.47%92.87%91.30%90.75%92.91%+444 bps
Liquid Assets / Assets1.25%1.20%1.15%1.13%1.11%-14 bps
CRE / Total Capitaln/a266%296%288%n/an/a