American Bank of Freedom: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 1.59% from 2.16% in the prior period. American Bank of Freedom is the primary bank subsidiary of its parent holding company, headquartered in Wellsville, MO. On its most recent Q2 2026 call report, American Bank of Freedom reported $948M in total assets against $737M in deposits. Profitability runs below industry average: 0.70% ROA, 7.03% ROE, with NIM at 3.14%. Capital cushions are healthy: 13.55% CET1, 10.01% Tier 1 leverage. Asset quality merits closer attention with NPLs at 1.59%. Its footprint covers 12 branches concentrated in Missouri.
As of June 30, 2026, American Bank of Freedom reported a CET1 capital ratio of 13.55%, a return on assets of 0.70%, a nonperforming-loan ratio of 1.59%, a Texas ratio of 11.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 106 E Hudson St, Wellsville, MO 63384
- County
- Montgomery
- 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 041
- Established
- March 15, 1880
- Former names
- American Bank of Missouri (2006-2023); Bank of Montgomery County (1996-2006)
- Offices
- 12 domestic
- Employees (FTE)
- 101
- Domestic deposits
- $736.5M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $169K
- Average total assets
- $974.5M
- Average total loans
- $718.3M
- Average interest-bearing deposits
- $684.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 1936
- FDIC Cert
- 15423
- Fed RSSD
- 568359
- SEC CIK
- 1756744 → filed by EVERGREEN BANCSHARES, INC.
- Website
- www.americanbankoffreedom.bank →
- Parent Holding Company
- EVERGREEN BANCSHARES, INC. (RSSD 3450521)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Bank of Freedom terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Bank of Freedom, 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Bank of Freedom rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 0.70% | 1.59% | 11.06% | 3.14% |
| Q1 2026 | 12.83% | 0.55% | 2.16% | 15.86% | 2.95% |
| Q4 2025 | 12.75% | 0.05% | 2.08% | 15.64% | 2.95% |
| Q3 2025 | 12.33% | 0.57% | 1.31% | 10.41% | 3.15% |
| Q2 2025 | 12.08% | 0.50% | 2.39% | 18.45% | 3.00% |
| Q1 2025 | 11.86% | 0.57% | 2.57% | 19.89% | 2.84% |
| Q4 2024 | 11.80% | 0.65% | 2.12% | 16.53% | 2.85% |
| Q3 2024 | 10.83% | 0.07% | 1.70% | 13.56% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wright City Branch | Wright City , MO | 63390 | $180.2M |
| Rochester State Bank Mo Branch | Rochester , IL | 62563 | $118.4M |
| American Bank of Missouri - O Fallon Branch | O Fallon , MO | 63366 | $118.3M |
| Des Peres Branch | Des Peres , MO | 63131 | $110.7M |
| Rock Hill Branch | Saint Louis , MO | 63119 | $79.1M |
| Montgomery City Branch | Montgomery City , MO | 63361 | $38.8M |
| Warrenton Branch | Warrenton , MO | 63383 | $36.0M |
| American Bank of Freedom (main office) | Wellsville , MO | 63384 | $25.7M |
| Westfield Branch | Westfield , IN | 46062 | $16.6M |
| Middletown Branch | Middletown , MO | 63359 | $12.8M |
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 |
|---|---|---|---|
| July 10, 2021 | Structure Change | Acquired Rochester State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for American Bank of Freedom, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MO, rank 68 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 155 applications, 145 loans originated, $93.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Bank of Freedom
What are American Bank of Freedom's total assets?
As of the Q2 2026 filing, American Bank of Freedom reported total assets of $948.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Bank of Freedom headquartered?
American Bank of Freedom is headquartered in Wellsville, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Bank of Freedom founded?
American Bank of Freedom was established in 1880, per the FDIC institution directory.
Is American Bank of Freedom FDIC-insured?
Yes. American Bank of Freedom is an FDIC-insured commercial bank (FDIC Certificate #15423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank of Freedom?
American Bank of Freedom's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Bank of Freedom's CET1 capital ratio?
American Bank of Freedom reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Bank of Freedom operate?
American Bank of Freedom operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank of Freedom's Texas Ratio?
American Bank of Freedom's Texas Ratio is 11.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was American Bank of Freedom previously called?
The charter now named American Bank of Freedom has also operated as American Bank of Missouri (2006-2023), Bank of Montgomery County (1996-2006), per FDIC structure-change records.
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