BlastPoint's Banking Scorecard

Freedom Bank of Southern Missouri

$100M-$1B Specialty: Agricultural MO FDIC cert 35276

Cassville, MO

8 branches across MO

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

Freedom Bank of Southern Missouri has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 33.0% in tier
+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 13.74% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 36.5% in tier

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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 ?	$841.4M +13.7% YoY +4.8% QoQ	+$455.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 6.3% in tier
Total Loans ?	$681.4M +19.6% YoY +4.9% QoQ	+$425.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 3.1% in tier
Total Deposits ?	$757.4M +12.4% YoY +5.6% QoQ	+$429.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 4.3% in tier
Return on Assets ?	1.85% +37.8% YoY +46.1% QoQ	+0.59%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	4.01% +17.6% YoY +7.3% QoQ	+0.08%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	51.55% -14.2% YoY -16.6% QoQ	-13.74%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.37% +178.0% YoY +15.7% QoQ	-0.51%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	89.97% +6.5% YoY -0.6% QoQ	+13.33%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	12.35% -6.5% YoY -7.9% QoQ	-9.67%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	0.30% +192.6% YoY +15.9% QoQ	-0.34%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	8.25% -5.5% YoY +0.2% QoQ	-7.58%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 0.1% in tier
Non-Interest Income / Assets ?	0.08% -1.2% YoY -74.8% QoQ	-0.20%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	42%

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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 (1)

Profitability Leader

growth

#221 of 666 • Top 33.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.85%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#478 of 1308 • Bottom 36.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 (5 metrics)

Total Loans

size

Value: $681.35M

Peer Median: $255.72M

#84 of 2664 Top 3.1% in $100M-$1B

116

Total Deposits

size

Value: $757.35M

Peer Median: $327.97M

#116 of 2664 Top 4.3% in $100M-$1B

169

Total Assets

size

Value: $841.39M

Peer Median: $386.08M

#169 of 2664 Top 6.3% in $100M-$1B

444

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.27%

#444 of 2664 Top 16.6% in $100M-$1B

499

Efficiency Ratio

profitability

Value: 51.55%

Peer Median: 65.29%

#499 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (3 metrics)

2664

Tier 1 Capital Ratio

capital

Value: 8.25%

Peer Median: 15.83%

#2664 of 2664 Bottom 0.1% in $100M-$1B

2246

Non-Interest-Bearing Deposit Share

funding

Value: 12.35%

Peer Median: 22.02%

#2246 of 2664 Bottom 15.7% in $100M-$1B

2018

Loan-to-Deposit Ratio

liquidity

Value: 89.97%

Peer Median: 76.64%

#2018 of 2664 Bottom 24.3% in $100M-$1B