Cassville, MO · Cert 35276 · Freedom Bancshares of S MO Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.7% share · #26 of 41 inst. · $0.1B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.99% | 1.06% | 1.12% | 1.13% | 1.00% | 1.46% | 1.52% | +39 bps | |
| Return on Equity | 11.29% | 11.63% | 12.54% | 13.10% | 13.00% | 11.63% | 17.44% | 17.78% | +468 bps | |
| Net Interest Margin | 2.98% | 3.02% | 3.19% | 3.26% | 3.38% | 3.31% | 3.72% | 3.80% | +54 bps | |
| Efficiency Ratio | 62.99% | 62.58% | 60.11% | 58.88% | 57.28% | 61.84% | 51.55% | 50.69% | -819 bps | |
| Non-Interest Burden | 1.74% | 1.75% | 1.78% | 1.78% | 1.79% | 1.92% | 1.76% | 1.76% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.96% | 11.28% | 5.27% | 7.51% | 10.40% | 13.86% | 13.65% | 14.44% | +693 bps | |
| Loan Growth (YoY) | 13.07% | 11.70% | 13.01% | 13.10% | 16.33% | 17.78% | 19.68% | 18.54% | +544 bps | |
| Deposit Growth (YoY) | 11.23% | 12.61% | 4.74% | 7.02% | 8.16% | 11.62% | 12.35% | 12.88% | +586 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.16% | 0.13% | 0.11% | 0.15% | 0.32% | 0.37% | 0.13% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | 0.12% | 0.06% | -0.01% | 0.04% | -2 bps | |
| Allowance / Loans | 0.85% | 0.84% | 0.83% | 0.79% | 0.79% | 0.86% | 0.86% | 0.86% | +6 bps | |
| Allowance Coverage of NPLs | 6.4x | 5.1x | 6.2x | 7.5x | 5.2x | 2.7x | 2.3x | 6.6x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 8.71% | 8.73% | 8.84% | 9.03% | 8.23% | 8.25% | 8.72% | -12 bps | |
| Total Risk-Based Capital | 9.00% | 8.71% | 8.73% | 12.66% | 9.03% | 8.23% | 8.25% | 11.54% | -112 bps | |
| Equity / Assets | 9.02% | 8.43% | 8.46% | 8.82% | 8.95% | 8.38% | 8.33% | 8.87% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.35% | 86.53% | 85.19% | 88.47% | 92.87% | 91.30% | 90.75% | 92.91% | +444 bps | |
| Liquid Assets / Assets | 1.31% | 1.31% | 1.24% | 1.25% | 1.20% | 1.15% | 1.13% | 1.11% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 266% | 296% | 288% | n/a | n/a | |