Freedom Bank of Southern Missouri
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Data as of · sourced from FFIEC call reports. How we update
Freedom Bank of Southern Missouri is an FDIC-insured commercial bank headquartered in Cassville, MO, established in 1999 (FDIC certificate 35276), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $850.1M, up 14.4% from Q2 2025, the 47th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.65% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35276
- Headquarters
- Cassville, MO
- Established
- 1999
- Total assets, Q2 2026
- $850.1M
- Assets vs Q2 2025
- +14.4%
- CET1 ratio, Q2 2026
- 10.65%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 081518906
- Latest call report
- Q2 2026, FFIEC 051 · Freedom Bank of Southern Missouri Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FREEDOM BANCSHARES OF SOUTHERN MISSOURI, INC.
- Asset rank in state
- 47th of 191 in Missouri
Freedom Bank of Southern Missouri is one of the more profitable banks of its size. Its balance sheet stood at $850 million at June 30, 2026, up 14.4% from a year earlier; it is based in Cassville, Missouri. It returns 23.2% a year on shareholders' equity, about double the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 10.65% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $4.2 million, 52% above the same quarter a year earlier. Over the same year, loans grew 18.5% and deposits grew 12.9%. Funding is the softer spot: it pays an average of 2.48% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Freedom Bank of Southern Missouri reported a CET1 capital ratio of 10.65%, a return on assets of 1.98%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.25%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Freedom Bank of Southern Missouri is the 47th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $850.1M, loans rose 2.8% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.6% of total loans, ahead of farmland and other real estate loans at 25.5%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in MO; its Cassville office books 32% of its branch deposits. Judged on its Q2 2026 call report, Freedom Bank of Southern Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 97 Main St, Cassville, MO 65625
- County
- Barry
- 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 051
- Established
- November 22, 1999
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $760.1M
- Allowance for credit losses
- $6.1M
- Net charge-offs (YTD)
- $128K
- Average total assets
- $854.3M
- Average total loans
- $700.4M
- Average interest-bearing deposits
- $668.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 22, 1999
- FDIC Cert
- 35276
- Fed RSSD
- 2835103
- SEC CIK
- 1495677 → filed by FREEDOM BANCSHARES OF SOUTHERN MISSOURI, INC.
- Website
- www.freedombk.com →
- Parent Holding Company
- FREEDOM BANCSHARES OF SOUTHERN MISSOURI, INC. (RSSD 3216754)
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
Freedom Bank of Southern Missouri's total assets moved between a low of $625.5M (Q3 2023) and a high of $850.1M (Q2 2026) from Q3 2023 to Q2 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
$850.1M total assets against $742.8M; $774.7M total liabilities against $677.3M.
$700.1M net loans and leases against $591.0M; $760.1M total deposits against $673.4M.
$65.1M securities against $72.9M; $45.3M cash and balances due against $42.0M.
$13.1M total interest income against $10.9M; $4.8M total interest expense against $4.5M.
$8.3M net interest income against $6.3M.
$764K total noninterest income against $647K; $4.6M total noninterest expense against $4.1M.
$287K provision for credit losses against $127K.
$4.2M net income against $2.8M.
1.98% return on assets against 1.48%; 4.13% net interest margin against 3.60%.
10.65% CET1 capital ratio against 11.79%; 8.72% tier 1 leverage ratio against 8.84%.
Inside the full Freedom Bank of Southern Missouri 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Freedom Bank of Southern Missouri rankings
Its closest position to the top of a national ranking is 515 of 3,611, for ROA; its furthest is 2,020 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q4 2025) to 1.98% (Q2 2026) and its net interest margin ran from 3.35% (Q3 2024) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.65% | 1.98% | 0.13% | 1.25% | 4.13% |
| Q1 2026 | — | 1.81% | 0.37% | 3.74% | 3.92% |
| Q4 2025 | — | 0.79% | 0.32% | 3.23% | 3.88% |
| Q3 2025 | — | 1.45% | 0.15% | 1.47% | 3.90% |
| Q2 2025 | 11.79% | 1.48% | 0.11% | 1.01% | 3.60% |
| Q1 2025 | — | 1.33% | 0.13% | 1.29% | 3.38% |
| Q4 2024 | — | 1.32% | 0.16% | 1.63% | 3.44% |
| Q3 2024 | — | 1.36% | 0.13% | 1.23% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Freedom Bank of Southern Missouri (main office) | Cassville , MO | 65625 | $245.7M |
| Monett Branch | Monett , MO | 65708 | $179.2M |
| Willard Branch | Willard , MO | 65781 | $126.9M |
| Shell Knob Branch | Shell Knob , MO | 65747 | $82.9M |
| Golden Facility | Golden , MO | 65658 | $49.3M |
| Aurora Branch | Aurora , MO | 65605 | $38.5M |
| Seligman Branch | Seligman , MO | 65745 | $37.6M |
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 |
|---|---|---|---|
| June 13, 2020 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 2013 | Structure Change | Acquired The Community Bank of Shell Knob Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 58 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 318 applications, 283 loans originated, $70.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $900K approved, $900K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Freedom Bank of Southern Missouri
What are Freedom Bank of Southern Missouri's total assets?
As of the Q2 2026 filing, Freedom Bank of Southern Missouri reported total assets of $850.1 million in its FFIEC call report.
Where is Freedom Bank of Southern Missouri headquartered?
It is headquartered in Cassville, MO, United States.
When was Freedom Bank of Southern Missouri founded?
It was established in 1999, per the FDIC institution directory.
Is Freedom Bank of Southern Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Freedom Bank of Southern Missouri?
Freedom Bank of Southern Missouri's primary federal regulator is the FDIC.
What is Freedom Bank of Southern Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.65% in its Q2 2026 call report, above regulatory requirements.
How many branches does Freedom Bank of Southern Missouri operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Freedom Bank of Southern Missouri's Texas Ratio?
Its Texas Ratio is 1.25% 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.
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