AMERICAN BANK OF FREEDOM

WELLSVILLE, MO | Medium | Est. March 15, 1880, midnight | FDIC #15423 | RSSD #568359 | FDIC
Latest Report: 2025-12-31

AMERICAN BANK OF FREEDOM is amn medium FDIC-insured commercial bank headquartered in WELLSVILLE, MO, established in March 15, 1880, midnight. As of 2025-12-31, the bank reported total assets of $974M and total deposits of $740M. Profitability stands at 0.05% ROA and 0.49% ROE, with a net interest margin of 3.11%. The bank's CET1 capital ratio is 12.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.87% and a Texas Ratio of 13.38%. FDIC Certificate #15423.

Assets

$974M

Deposits

$740M

Loans

$740M

Equity

$95M

Profitability

Return on Assets (ROA) 0.05%
Return on Equity (ROE) 0.49%
Net Interest Margin (NIM) 3.11%
Yield on Assets 6.46%
Cost of Funds 3.43%

Asset Quality

NPL Ratio 1.87%
Net Charge-Off Ratio 1.07%
Texas Ratio 13.38%
NPA Ratio 1.42%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 12.75%
Tier 1 Capital 12.75%
Total Capital Ratio 13.95%
Leverage Ratio 9.66%
Loan-to-Deposit 100.01%

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