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American Bank of Freedom

$100M-$1B Specialty: Commercial MO FDIC cert 15423

Wellsville, MO

12 branches across MO · CO · IL · IN · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits +4.2% year over year ($736.5M on the books).
  • Delinquency rate 1.56%.
  • Return on assets 0.63%.
  • Efficiency ratio 70.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.76% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

American Bank of Freedom faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.3% in tier
  • - Flatlined Growth: Bottom 15.3% in tier
  • - Non-Interest-Bearing Deposit Share 14.60% below tier average
  • - ROA 0.70% below tier average
  • - Net Interest Margin 0.86% below tier average
  • - Efficiency Ratio 5.92% above tier average
  • - Delinquency Rate 0.64% above tier average
Get updates when American Bank of Freedom releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $948.3M
+0.5% YoY -3.9% QoQ
+$561.7M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 1.8% in tier
Total Loans ? $690.5M
-8.8% YoY -4.6% QoQ
+$432.2M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 2.8% in tier
Total Deposits ? $736.5M
+4.2% YoY -2.4% QoQ
+$409.8M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 4.8% in tier
Return on Assets ? 0.63%
+17.0% YoY +14.3% QoQ
-0.70% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 3.13%
+3.6% YoY +4.0% QoQ
-0.86% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Bottom 13.5% in tier
Efficiency Ratio ? 70.40%
-6.9% YoY -2.1% QoQ
+5.92% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 1.56%
-20.3% YoY -27.1% QoQ
+0.64% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
18%
Loan-to-Deposit Ratio ? 93.76%
-12.5% YoY -2.3% QoQ
+15.81% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 7.43%
-7.9% YoY -6.5% QoQ
-14.60% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 6.1% in tier
Nonperforming Asset Ratio ? 1.15%
-26.8% YoY -26.8% QoQ
+0.48% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 13.55%
+12.1% YoY +5.6% QoQ
-2.36% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.11%
+78.5% YoY +102.1% QoQ
-0.46% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 7.4%
-0.6pp YoY
-0.5pp QoQ
 -14.7pp 22.1% 20.9% 22.2% 6%
Brokered Deposits 6.4%
-2.1pp YoY
-1.2pp QoQ
 -1.4pp 7.9% 7.4% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 9.8%
-0.6pp YoY
-0.3pp QoQ
 -1.7pp 11.6% 12.3% 12.5% 52%
CRE 67.5%
+0.6pp YoY
-0.6pp QoQ
 +28.0pp 39.5% 36.8% 41.4% 91%
1-4 Family 21.7%
+0.2pp YoY
+0.9pp QoQ
 -10.9pp 32.6% 31.9% 31.3% 34%
Consumer 0.0%
-0.3pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.1% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 13.6%
+1.5pp YoY
+0.7pp QoQ
 -5.3pp 18.8% 18.5% 19.7% 34%
Leverage Ratio 10.0%
+0.2pp YoY
+0.3pp QoQ
 -2.2pp 12.2% 11.6% 12.6% 32%
Total Capital Ratio 14.8%
+1.5pp YoY
+0.8pp QoQ
 -5.1pp 19.9% 19.6% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 101
-2 (-1.9%) YoY
-2 (-1.9%) QoQ
 +42 58 162 482 87%
Assets per Employee ($) $9.4M
+2.5% YoY
-2.0% QoQ
 +$1.9M $7.5M $8.0M $8.8M 82%
Branch Count 12
0 YoY
0 QoQ
 +7 4 10 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.6%
-0.4pp YoY
-0.6pp QoQ
 +0.6pp 0.9% 0.8% 1.0% 83%
Allowance Coverage 0.85x
-2.4% YoY
+46.8% QoQ
 -23.30x 24.15x 10.47x 20.23x 22%
Net Charge-off Rate (YTD) 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 6.3%
+0.8pp YoY
+0.7pp QoQ
 -5.9pp 12.2% 14.3% 11.6% 18%
Cost of Funds (YTD) 3.1%
-0.3pp YoY
0.0pp QoQ
 +1.4pp 1.7% 1.8% 1.7% 98%
Net Income ($, YTD) $3.0M
+20.7% YoY
— QoQ
 +$483K $2.6M $11.3M $40.4M 70%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#10 of 691 • Bottom 1.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.76%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#82 of 529 • Bottom 15.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.63%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

49
Total Assets
size
Value: $948.27M
Peer Median: $386.57M
#49 of 2643 Top 1.8% in $100M-$1B
75
Total Loans
size
Value: $690.53M
Peer Median: $258.35M
#75 of 2643 Top 2.8% in $100M-$1B
127
Total Deposits
size
Value: $736.51M
Peer Median: $326.73M
#127 of 2643 Top 4.8% in $100M-$1B

Top Weaknesses (7 metrics)

2484
Non-Interest-Bearing Deposit Share
funding
Value: 7.43%
Peer Median: 22.03%
#2484 of 2643 Bottom 6.1% in $100M-$1B
2286
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2286 of 2643 Bottom 13.5% in $100M-$1B
2220
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.32%
#2220 of 2643 Bottom 16.0% in $100M-$1B
2189
Nonperforming Asset Ratio
credit_quality
Value: 1.15%
Peer Median: 0.67%
#2189 of 2643 Bottom 17.2% in $100M-$1B
2164
Delinquency Rate
credit_quality
Value: 1.56%
Peer Median: 0.92%
#2164 of 2633 Bottom 17.9% in $100M-$1B
2153
Loan-to-Deposit Ratio
liquidity
Value: 93.76%
Peer Median: 77.95%
#2153 of 2643 Bottom 18.6% in $100M-$1B
2056
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2056 of 2643 Bottom 22.2% in $100M-$1B
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