Headquartered in Wellsville, Missouri, American Bank of Freedom is a state-chartered bank with $948.3M in total assets and $736.5M in deposits as of Q2 2026. It operates 12 offices across 3 states. Its charter dates back to 1880.
American Bank of Freedom has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 178th. Problem-loan coverage contributes the most (79/100, 10.3%); earnings contributes the least (45/100, 0.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (45 → 53), mostly because the funding & liquidity component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 45 |
| Q4 2024 | 46 |
| Q1 2025 | 43 |
| Q2 2025 | 45 |
| Q3 2025 | 54 |
| Q4 2025 | 46 |
| Q1 2026 | 45 |
| Q2 2026 | 53 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.95% |
| Q3 2024 | 9.56% |
| Q4 2024 | 9.51% |
| Q1 2025 | 9.75% |
| Q2 2025 | 9.79% |
| Q3 2025 | 9.85% |
| Q4 2025 | 9.66% |
| Q1 2026 | 9.75% |
| Q2 2026 | 10.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.72% |
| Q1 2025 | 2.10% |
| Q2 2025 | 1.93% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.87% |
| Q1 2026 | 2.11% |
| Q2 2026 | 1.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $948.3M | 10.01% | 1.54% | 0.63% | 93.8% |
| Q1 2026 | 45 | $986.4M | 9.75% | 2.11% | 0.55% | 95.9% |
| Q4 2025 | 46 | $973.8M | 9.66% | 1.87% | 0.42% | 98.8% |
| Q3 2025 | 54 | $970.2M | 9.85% | 1.10% | 0.55% | 103.1% |
| Q2 2025 | 45 | $943.5M | 9.79% | 1.93% | 0.54% | 107.2% |
| Q1 2025 | 43 | $941.6M | 9.75% | 2.10% | 0.57% | 107.0% |
| Q4 2024 | 46 | $934.5M | 9.51% | 1.72% | 0.42% | 104.4% |
| Q3 2024 | 45 | $944.1M | 9.56% | 1.68% | 0.33% | 106.9% |
| Q2 2024 | 51 | $919.2M | 9.95% | 1.22% | 0.47% | 108.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest Regional BankBank Clayton, MO | 26 out of 100, Low | $949.0M | 10.2% | 6.61% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Stifel Trust Company, National AssociationBank Saint Louis, MO | 70 out of 100, Strong | $911.0M | 7.5% | 0.00% | vs |
| Peoples Bank & Trust Co.Bank Troy, MO | 58 out of 100, Moderate | $908.3M | 10.0% | 2.27% | vs |
| First Federal Bank of Kansas CityBank Lees Summit, MO | 64 out of 100, Moderate | $992.5M | 11.3% | 0.45% | vs |
Deposit insurance
Is my money safe at American Bank of Freedom?
Yes. American Bank of Freedom is an FDIC-insured institution (FDIC certificate #15423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.7% of deposits ($174.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).
12 locations
Branches
American Bank of Freedom lists 10 offices in 10 cities across 3 states. Most locations:
- Des Peres, MO (1)
- Middletown, MO (1)
- Montgomery City, MO (1)
- O Fallon, MO (1)
- Rochester, IL (1)
- Saint Louis, MO (1)
- Warrenton, MO (1)
- Wellsville, MO (1)
- Westfield, IN (1)
- Wright City, MO (1)
HMDA 2025
Mortgage lending
In 2025, American Bank of Freedom reported 154 home-loan applications under HMDA (LEI 549300YMEOE50UQ6NM87): 145 originated ($93,585,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- American Bank of Freedom
- Former names
- Bank of Montgomery County; Bank of Wellsville; American Bank of Missouri
- Type
- State-chartered bank
- FDIC certificate #
- 15423
- RSSD ID
- 568359
- Primary regulator
- FDIC
- Holding company
- Evergreen Bancshares Inc
- Established
- March 15, 1880
- Headquarters
- 106 E Hudson St, Wellsville, MO 63384
- Employees
- 101
Quick answers
American Bank of Freedom: common questions
Is American Bank of Freedom FDIC insured?
Yes. American Bank of Freedom is an FDIC-insured institution (FDIC certificate #15423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank of Freedom's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Bank of Freedom ever failed?
There is no failure record for FDIC certificate #15423 in the FDIC failed bank list.
How many branches does American Bank of Freedom have?
12 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Wellsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| United Security BankBank Fulton, MO | 85 out of 100, Very strong | $97.2M | 13.4% | 0.00% | vs |
| Show-Me Credit UnionCredit union Mexico, MO | 83 out of 100, Strong | $43.7M | 13.2% | 0.68% | vs |
| Jonesburg State BankBank Jonesburg, MO | 81 out of 100, Strong | $145.6M | 9.9% | 0.00% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| Community State Bank of MissouriBank Bowling Green, MO | 80 out of 100, Strong | $333.9M | 11.0% | 0.26% | vs |