Freedom Bank of Southern Missouri: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 23.37 percentage points lower than in Q1 2026, at 203.07%. Within Missouri, Freedom Bank of Southern Missouri is 58th of 192 on loan-to-deposit ratio, 92.91% as of Q2 2026, above the middle of the field. Freedom Bank of Southern Missouri reported 92.91% on loan-to-deposit ratio for Q2 2026, 12.07 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $706.2M |
| Net loans and leases | $700.1M |
| Loans held for sale | $0 |
| Loans to total assets | 83.08% |
| Loan-to-deposit ratio | 92.91% |
| Net loans to equity capital | 9.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.60% |
| Multifamily (5+ residential) | 3.67% |
| Commercial and industrial | 7.66% |
| Consumer | 2.48% |
| Credit cards | 0.00% |
| Farm | 25.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.07% |
| Construction concentration (Tier 1 capital + allowance) | 69.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.08% |
| Interest income on loans | $12.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $483.5M | $569.2M | 15.10% | 10.02% | 3.61% |
| Q4 2023 | $497.9M | $570.7M | 14.33% | 10.19% | 3.48% |
| Q1 2024 | $508.2M | $643.6M | 14.92% | 9.98% | 3.50% |
| Q2 2024 | $526.7M | $629.2M | 14.09% | 10.43% | 3.48% |
| Q3 2024 | $546.7M | $633.2M | 13.95% | 9.78% | 3.64% |
| Q4 2024 | $556.1M | $642.7M | 14.74% | 9.29% | 3.40% |
| Q1 2025 | $574.3M | $674.1M | 15.43% | 10.11% | 3.21% |
| Q2 2025 | $595.7M | $673.4M | 17.76% | 9.27% | 3.14% |
| Q3 2025 | $636.0M | $684.8M | 15.03% | 8.69% | 2.96% |
| Q4 2025 | $655.0M | $717.4M | 16.32% | 8.58% | 2.82% |
| Q1 2026 | $687.3M | $757.4M | 15.89% | 8.52% | 2.68% |
| Q2 2026 | $706.2M | $760.1M | 15.60% | 7.66% | 2.48% |
Freedom Bank of Southern Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank of Southern Missouri, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Freedom Bank of Southern Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35276) · FFIEC NIC profile (RSSD 2835103)