BlastPoint's Banking Scorecard

American Bank of Freedom

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

Wellsville, MO

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

2664 banks in the $100M-$1B peer group nationally 143 in MO

American Bank of Freedom faces 6 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 6.5% in tier
- Non-Interest-Bearing Deposit Share 14.08% below tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.92% below tier average
- Efficiency Ratio 6.60% above tier average
- Delinquency Rate 1.25% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$986.4M +4.8% YoY +1.3% QoQ	+$600.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 0.4% in tier
Total Loans ?	$724.0M -4.4% YoY -1.0% QoQ	+$468.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 1.7% in tier
Total Deposits ?	$754.6M +6.5% YoY +1.9% QoQ	+$426.6M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 4.5% in tier
Return on Assets ?	0.55% -3.4% YoY +30.5% QoQ	-0.72%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Bottom 14.2% in tier
Net Interest Margin ?	3.01% +2.7% YoY -1.9% QoQ	-0.92%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Bottom 11.8% in tier
Efficiency Ratio ?	71.89% -3.5% YoY -0.7% QoQ	+6.60%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	2.14% +0.1% YoY +13.3% QoQ	+1.25%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 11.2% in tier
Loan-to-Deposit Ratio ?	95.94% -10.3% YoY -2.9% QoQ	+19.30%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 14.2% in tier
Non-Interest-Bearing Deposit Share ?	7.94% -6.2% YoY -0.8% QoQ	-14.08%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 7.1% in tier
Nonperforming Asset Ratio ?	1.57% -8.7% YoY +10.7% QoQ	+0.93%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 10.8% in tier
Tier 1 Capital Ratio ?	12.83% +8.2% YoY +0.6% QoQ	-3.00%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.05% +51.7% YoY -64.4% QoQ	-0.23%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	22%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Liquidity Strain

risk

#43 of 643 • Bottom 6.5% 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: 95.94%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Assets

size

Value: $986.38M

Peer Median: $386.08M

#11 of 2664 Top 0.4% in $100M-$1B

Total Loans

size

Value: $723.98M

Peer Median: $255.72M

#47 of 2664 Top 1.7% in $100M-$1B

120

Total Deposits

size

Value: $754.62M

Peer Median: $327.97M

#120 of 2664 Top 4.5% in $100M-$1B

Top Weaknesses (7 metrics)

2476

Non-Interest-Bearing Deposit Share

funding

Value: 7.94%

Peer Median: 22.02%

#2476 of 2664 Bottom 7.1% in $100M-$1B

2378

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.64%

#2378 of 2664 Bottom 10.8% in $100M-$1B

2357

Delinquency Rate

credit_quality

Value: 2.14%

Peer Median: 0.89%

#2357 of 2654 Bottom 11.2% in $100M-$1B

2350

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.93%

#2350 of 2664 Bottom 11.8% in $100M-$1B

2287

Loan-to-Deposit Ratio

liquidity

Value: 95.94%

Peer Median: 76.64%

#2287 of 2664 Bottom 14.2% in $100M-$1B

2286

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.27%

#2286 of 2664 Bottom 14.2% in $100M-$1B

2066

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2066 of 2664 Bottom 22.5% in $100M-$1B