Freedom Bank of Southern Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freedom Bank of Southern Missouri of Cassville, 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 | 1.98% | 1.34% | +0.64% | 85th top |
| ROAE | 23.22% | 13.32% | +9.90% | 93rd top |
| Net Interest Margin | 4.13% | 3.93% | +0.20% | 61st above |
| Efficiency Ratio | 49.58% | 61.14% | -11.56% | 81st top |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 76th top |
| Yield on Earning Assets | 6.49% | 5.67% | +0.82% | 87th top |
| Cost of Funds | 2.48% | 1.88% | +0.60% | 16th bottom |
| Net Interest Spread | 3.64% | 3.32% | +0.32% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.94% | -0.48% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| ACL / NPLs (Coverage) | 187.01% | 1547.34% | -1360.33% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.41% | 7.34% | -2.93% | 44th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 409.38% | 1396.10% | -986.72% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.65% | 19.50% | -8.85% | 6th bottom |
| Tier 1 Ratio | 10.65% | 19.53% | -8.88% | 6th bottom |
| Total Capital Ratio | 11.54% | 20.62% | -9.08% | 5th bottom |
| Leverage Ratio | 8.72% | 12.14% | -3.42% | 9th bottom |
| Equity / Assets | 8.87% | 11.37% | -2.50% | 25th below |
| TCE / Tangible Assets | 8.01% | 11.09% | -3.08% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.91% | 80.65% | +12.26% | 23rd bottom |
| Core Deposit Ratio | 83.86% | 86.85% | -2.99% | 27th below |
| Wholesale Funding Ratio | 1.18% | 5.04% | -3.86% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.44% | 6.84% | +7.60% | 91st top |
| Loan Growth (Y/Y) | 18.54% | 7.91% | +10.63% | 91st top |
| Deposit Growth (Y/Y) | 12.88% | 6.28% | +6.60% | 88th top |
See Freedom Bank of Southern Missouri's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freedom Bank of Southern Missouri, 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 Freedom Bank of Southern Missouri profile, how to read a UBPR, or how this data updates.