Freedom Bank of Southern Missouri: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 65.18 percentage points higher than in Q1 2026, at 187.01%. Freedom Bank of Southern Missouri ranks 41st of 192 Missouri banks on return on assets, in the upper half at 1.98% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Freedom Bank of Southern Missouri reported 1.98% on return on assets in Q2 2026, 0.72 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.65% |
| Tier 1 risk-based capital ratio | 10.65% |
| Total risk-based capital ratio | 11.54% |
| Tier 1 leverage ratio | 8.72% |
| Equity capital to assets | 8.87% |
| Tangible equity to tangible assets | 8.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 4.41% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 187.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.98% |
| Return on equity | 23.22% |
| Net interest margin | 4.13% |
| Efficiency ratio | 49.58% |
| Yield on earning assets | 6.49% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.91% |
| Core deposits to total deposits | 83.86% |
| Brokered deposits to total deposits | 2.65% |
| Deposits to assets | 89.42% |
| Securities to assets | 7.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.39% | 1.19% |
| Q4 2023 | — | — | — | 9.08% | 1.14% |
| Q1 2024 | — | — | — | 8.80% | 1.04% |
| Q2 2024 | — | — | — | 8.74% | 1.20% |
| Q3 2024 | — | — | — | 9.00% | 1.36% |
| Q4 2024 | — | — | — | 8.71% | 1.32% |
| Q1 2025 | — | — | — | 8.73% | 1.33% |
| Q2 2025 | 11.79% | 11.79% | 12.66% | 8.84% | 1.48% |
| Q3 2025 | — | — | — | 9.03% | 1.45% |
| Q4 2025 | — | — | — | 8.23% | 0.79% |
| Q1 2026 | — | — | — | 8.25% | 1.81% |
| Q2 2026 | 10.65% | 10.65% | 11.54% | 8.72% | 1.98% |
Freedom Bank of Southern Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank of Southern Missouri, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)