Bank Comparison
Cnb ST. Louis Bank vs Freedom Bank of Southern Missouri
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cnb ST. Louis Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| CET1 Ratio | 10.42% | — |
| Tier 1 Capital Ratio | 10.42% | — |
| Total Capital Ratio | 11.68% | — |
| Tier 1 Leverage Ratio | 8.96% | 8.25% |
| Equity / Assets | 7.33% | 8.33% |
Profitability
| Metric | Cnb ST. Louis Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| Return on Assets (ROA) | 1.36% | 1.81% |
| Return on Equity (ROE) | 18.91% | 22.20% |
| Net Interest Margin (NIM) | 3.41% | 3.92% |
| Yield on Earning Assets | 5.59% | 6.33% |
| Cost of Funds | 2.37% | 2.56% |
Asset quality
| Metric | Cnb ST. Louis Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| Texas Ratio | 5.25% | 7.14% |
| Non-Performing Loan Ratio | 0.48% | 0.71% |
| Non-Performing Asset Ratio | 0.39% | 0.58% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.79% | 0.86% |
Balance sheet
| Metric | Cnb ST. Louis Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| Total Assets | $852,685K | $841,387K |
| Total Deposits | $732,893K | $757,352K |
| Total Loans | $689,720K | $687,264K |
| Total Equity | $62,494K | $70,066K |
| Net Income (quarter) | $2,922K | $3,812K |
Liquidity & funding
| Metric | Cnb ST. Louis Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| Loan-to-Deposit Ratio | 94.11% | 90.75% |
| Core Deposit Ratio | 92.04% | 85.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cnb ST. Louis Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| Headquarters City | MAPLEWOOD | CASSVILLE |
| Headquarters State | MO | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 87 | 109 |
| Established | Jan. 1, 1915, midnight | Nov. 22, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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