American Bank of Freedom
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Data as of · sourced from FFIEC call reports. How we update
American Bank of Freedom is an FDIC-insured commercial bank headquartered in Wellsville, MO, established in 1880 (FDIC certificate 15423), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $948.3M, up 0.5% from Q2 2025, the 40th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15423
- Headquarters
- Wellsville, MO
- Established
- 1880
- Total assets, Q2 2026
- $948.3M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 081518058
- Latest call report
- Q2 2026, FFIEC 041 · American Bank of Freedom Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- EVERGREEN BANCSHARES, INC.
- Asset rank in state
- 40th of 191 in Missouri
American Bank of Freedom pays more for its money than most banks of its size. It reported $948 million in assets at June 30, 2026. It pays an average of 3.27% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.8 times its capital, about triple the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 9.2% and deposits rose 4.2%. Its $167 million non-owner-occupied commercial real estate book is improving, with 1.65% past due or on nonaccrual, down from 4.96% a year earlier. Its margin is thin by comparison: it keeps 3.14 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, American Bank of Freedom reported a CET1 capital ratio of 13.55%, a return on assets of 0.70%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 10.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Bank of Freedom is the 40th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.9% to $948.3M, loans fell 4.5% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 23.9% of total loans, followed by construction and land development loans at 22.1%. The FDIC Summary of Deposits lists 10 offices for it, in 10 cities across 3 states; its Wright City office books 24% of its branch deposits. On its Q2 2026 call report, American Bank of Freedom meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 E Hudson St, Wellsville, MO 63384
- County
- Montgomery
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 15, 1880
- Former names
- American Bank of Missouri (2006-2023); Bank of Montgomery County (1996-2006)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $736.5M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $169K
- Average total assets
- $974.5M
- Average total loans
- $718.3M
- Average interest-bearing deposits
- $684.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 1936
- FDIC Cert
- 15423
- Fed RSSD
- 568359
- SEC CIK
- 1756744 → filed by EVERGREEN BANCSHARES, INC.
- Website
- www.americanbankoffreedom.bank →
- Parent Holding Company
- EVERGREEN BANCSHARES, INC. (RSSD 3450521)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Bank of Freedom's total assets ran between $798.6M (Q3 2023) and $986.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$948.3M total assets against $943.5M; $851.0M total liabilities against $851.5M.
$690.5M net loans and leases against $757.6M; $736.5M total deposits against $707.0M.
$82.7M securities against $75.5M; $131.0M cash and balances due against $63.5M.
$14.4M total interest income against $14.5M; $7.1M total interest expense against $7.6M.
$7.4M net interest income against $6.9M.
$511K total noninterest income against $246K; $5.5M total noninterest expense against $5.5M.
$216K provision for credit losses against $100K.
$1.7M net income against $1.2M.
0.70% return on assets against 0.50%; 3.14% net interest margin against 3.00%.
13.55% CET1 capital ratio against 12.08%; 10.01% tier 1 leverage ratio against 9.79%.
Inside the full American Bank of Freedom terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Bank of Freedom rankings
Its closest position to the top of a national ranking is 576 of 3,640, for Texas Ratio; its furthest is 3,025 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.05% (Q4 2025) to 0.70% (Q2 2026) and its net interest margin ran from 2.81% (Q3 2024) to 3.15% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 0.70% | 1.54% | 10.73% | 3.14% |
| Q1 2026 | 12.83% | 0.55% | 2.11% | 15.52% | 2.95% |
| Q4 2025 | 12.75% | 0.05% | 1.87% | 14.03% | 2.95% |
| Q3 2025 | 12.33% | 0.57% | 1.10% | 8.76% | 3.15% |
| Q2 2025 | 12.08% | 0.50% | 1.93% | 14.46% | 3.00% |
| Q1 2025 | 11.86% | 0.57% | 2.10% | 15.80% | 2.84% |
| Q4 2024 | 11.80% | 0.65% | 1.72% | 12.92% | 2.85% |
| Q3 2024 | 10.83% | 0.07% | 1.68% | 13.44% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wright City Branch | Wright City , MO | 63390 | $180.2M |
| Rochester State Bank Mo Branch | Rochester , IL | 62563 | $118.4M |
| American Bank of Missouri - O Fallon Branch | O Fallon , MO | 63366 | $118.3M |
| Des Peres Branch | Des Peres , MO | 63131 | $110.7M |
| Rock Hill Branch | Saint Louis , MO | 63119 | $79.1M |
| Montgomery City Branch | Montgomery City , MO | 63361 | $38.8M |
| Warrenton Branch | Warrenton , MO | 63383 | $36.0M |
| American Bank of Freedom (main office) | Wellsville , MO | 63384 | $25.7M |
| Westfield Branch | Westfield , IN | 46062 | $16.6M |
| Middletown Branch | Middletown , MO | 63359 | $12.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 10, 2021 | Structure Change | Acquired Rochester State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 68 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 155 applications, 145 loans originated, $93.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $8.2M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Bank of Freedom
What are American Bank of Freedom's total assets?
As of the Q2 2026 filing, American Bank of Freedom reported total assets of $948.3 million in its FFIEC call report.
Where is American Bank of Freedom headquartered?
It is headquartered in Wellsville, MO, United States.
When was American Bank of Freedom founded?
It was established in 1880, per the FDIC institution directory.
Is American Bank of Freedom FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank of Freedom?
American Bank of Freedom's primary federal regulator is the FDIC.
What is American Bank of Freedom's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Bank of Freedom operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank of Freedom's Texas Ratio?
Its Texas Ratio is 10.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was American Bank of Freedom previously called?
The charter now named American Bank of Freedom has also operated as American Bank of Missouri (2006-2023), Bank of Montgomery County (1996-2006), per FDIC structure-change records.
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