BlastPoint's Banking Scorecard

Freedom Bank of Southern Missouri

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

Cassville, MO

8 branches across MO

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 +12.9% year over year ($760.1M on the books).
Delinquency rate 0.13%.
Return on assets 1.93%.
Efficiency ratio 50.69% vs a 64.48% peer average.
Loan-to-deposit ratio 92.11% 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) →

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 25.1% in tier
+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio 13.79% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.8% in tier

Get updates when Freedom Bank of Southern Missouri releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$850.1M +14.4% YoY +1.0% QoQ	+$463.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 5.6% in tier
Total Loans ?	$700.1M +18.5% YoY +2.8% QoQ	+$441.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 2.5% in tier
Total Deposits ?	$760.1M +12.9% YoY +0.4% QoQ	+$433.4M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 4.0% in tier
Return on Assets ?	1.93% +35.2% YoY +4.2% QoQ	+0.61%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 14.9% in tier
Net Interest Margin ?	4.10% +16.0% YoY +2.4% QoQ	+0.12%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	50.69% -13.9% YoY -1.7% QoQ	-13.79%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.13% +23.5% YoY -64.9% QoQ	-0.79%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	92.11% +4.9% YoY +2.4% QoQ	+14.16%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	12.95% -2.6% YoY +4.9% QoQ	-9.08%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	0.11% +27.8% YoY -64.3% QoQ	-0.56%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	10.65% -9.7% YoY +29.0% QoQ	-5.26%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.17% +0.7% YoY +106.7% QoQ	-0.39%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	42%

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	12.9% -0.4pp YoY +0.6pp QoQ	-9.2pp	22.1%	20.9%	22.2%	17%
Brokered Deposits	2.6% +1.4pp QoQ	-5.2pp	7.9%	7.4%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	7.7% -1.6pp YoY -0.9pp QoQ	-3.8pp	11.6%	12.3%	12.5%	38%
CRE	27.4% -2.5pp YoY -1.6pp QoQ	-12.1pp	39.5%	36.8%	41.4%	30%
1-4 Family	30.9% -0.4pp YoY -0.7pp QoQ	-1.7pp	32.6%	31.9%	31.3%	53%
Consumer	2.5% -0.7pp YoY -0.2pp QoQ	-1.6pp	4.1%	4.1%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	10.7% -1.1pp YoY	-8.2pp	18.8%	18.5%	19.7%	6%
Leverage Ratio	8.7% -0.1pp YoY +0.5pp QoQ	-3.4pp	12.2%	11.6%	12.6%	8%
Total Capital Ratio	11.5% -1.1pp YoY	-8.4pp	19.9%	19.6%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	111 +5 (+4.7%) YoY +2 (+1.8%) QoQ	+52	58	162	482	90%
Assets per Employee ($)	$7.7M +9.3% YoY -0.8% QoQ	+$140K	$7.5M	$8.0M	$8.8M	63%
Branch Count	8 0 YoY 0 QoQ	+3	4	10	18	82%

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	0.1% 0.0pp YoY -0.2pp QoQ	-0.8pp	0.9%	0.8%	1.0%	22%
Allowance Coverage	6.61x -12.4% YoY +184.4% QoQ	-17.55x	24.15x	10.47x	20.23x	76%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	22.6% +6.0pp YoY +0.4pp QoQ	+10.5pp	12.2%	14.3%	11.6%	93%
Cost of Funds (YTD)	2.5% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	88%
Net Income ($, YTD)	$8.0M +54.2% YoY — QoQ	+$5.5M	$2.6M	$11.3M	$40.4M	97%

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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

#167 of 661 • Top 25.1% in tier

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

Why this signature

Return on Assets: 1.93%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#124 of 1256 • Bottom 9.8% in tier

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

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $700.15M

Peer Median: $258.35M

#67 of 2643 Top 2.5% in $100M-$1B

106

Total Deposits

size

Value: $760.10M

Peer Median: $326.73M

#106 of 2643 Top 4.0% in $100M-$1B

150

Total Assets

size

Value: $850.07M

Peer Median: $386.57M

#150 of 2643 Top 5.6% in $100M-$1B

396

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.32%

#396 of 2643 Top 14.9% in $100M-$1B

480

Efficiency Ratio

profitability

Value: 50.69%

Peer Median: 64.48%

#480 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (3 metrics)

2187

Non-Interest-Bearing Deposit Share

funding

Value: 12.95%

Peer Median: 22.03%

#2187 of 2643 Bottom 17.3% in $100M-$1B

2145

Tier 1 Capital Ratio

capital

Value: 10.65%

Peer Median: 15.91%

#2145 of 2643 Bottom 18.9% in $100M-$1B

2064

Loan-to-Deposit Ratio

liquidity

Value: 92.11%

Peer Median: 77.95%

#2064 of 2643 Bottom 21.9% in $100M-$1B