American Bank of Freedom: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank of Freedom of Wellsville, MO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.70% | 1.35% | -0.65% | 19th bottom |
| ROAE | 7.03% | 13.33% | -6.30% | 21st bottom |
| Net Interest Margin | 3.14% | 3.93% | -0.79% | 14th bottom |
| Efficiency Ratio | 68.82% | 61.12% | +7.70% | 31st below |
| PPNR / Avg Assets | 0.99% | 1.68% | -0.69% | 20th bottom |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 3.27% | 1.88% | +1.39% | 3rd bottom |
| Net Interest Spread | 2.63% | 3.32% | -0.69% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.59% | 0.94% | +0.65% | 17th bottom |
| NPA / Total Assets | 1.19% | 0.70% | +0.49% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 82.52% | 1547.59% | -1465.07% | 22nd bottom |
| Texas Ratio | 11.06% | 7.33% | +3.73% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 295.86% | 1396.40% | -1100.54% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.55% | 19.49% | -5.94% | 34th below |
| Tier 1 Ratio | 13.55% | 19.53% | -5.98% | 34th below |
| Total Capital Ratio | 14.80% | 20.61% | -5.81% | 35th below |
| Leverage Ratio | 10.01% | 12.14% | -2.13% | 32nd below |
| Equity / Assets | 10.26% | 11.37% | -1.11% | 49th below |
| TCE / Tangible Assets | 9.80% | 11.08% | -1.28% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.00% | 80.65% | +14.35% | 19th bottom |
| Core Deposit Ratio | 86.77% | 86.85% | -0.08% | 38th below |
| Wholesale Funding Ratio | 11.39% | 5.03% | +6.36% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.51% | 6.85% | -6.34% | 22nd bottom |
| Loan Growth (Y/Y) | -9.19% | 7.93% | -17.12% | 3rd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.18% | 6.29% | -2.11% | 51st above |
See American Bank of Freedom's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank of Freedom, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank of Freedom profile, how to read a UBPR, or how this data updates.