TellerScore

Headquartered in Cassville, Missouri, Freedom Bank of Southern Missouri is a state-chartered bank with $850.1M in total assets and $760.1M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1999.

Freedom Bank of Southern Missouri has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 92nd. Problem-loan coverage contributes the most (98/100, 1.1%); capital cushion contributes the least (37/100, 8.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.72%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 92.1% · 26.0% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.13%

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 4 points (69 → 73), mostly because the earnings component improved by 20 points.

TellerScore
646973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202468
Q1 202569
Q2 202569
Q3 202569
Q4 202564
Q1 202668
Q2 202673
Tier 1 leverage ratio
5.00%7.02%9.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.74%
Q3 20249.00%
Q4 20248.71%
Q1 20258.73%
Q2 20258.84%
Q3 20259.03%
Q4 20258.23%
Q1 20268.25%
Q2 20268.72%
Noncurrent loans
0.11%0.24%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.13%
Q4 20240.16%
Q1 20250.13%
Q2 20250.11%
Q3 20250.15%
Q4 20250.32%
Q1 20260.37%
Q2 20260.13%
Return on assets
1.14%1.54%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.22%
Q4 20241.25%
Q1 20251.35%
Q2 20251.43%
Q3 20251.43%
Q4 20251.27%
Q1 20261.85%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$850.1M8.72%0.13%1.93%92.1%
Q1 202668$841.4M8.25%0.37%1.85%90.0%
Q4 202564$803.1M8.23%0.32%1.27%90.5%
Q3 202569$773.1M9.03%0.15%1.43%92.1%
Q2 202569$742.8M8.84%0.11%1.43%87.8%
Q1 202569$740.3M8.73%0.13%1.35%84.5%
Q4 202468$705.4M8.71%0.16%1.25%85.8%
Q3 202469$700.3M9.00%0.13%1.22%85.6%
Q2 202466$690.9M8.74%0.22%1.14%83.0%

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).

Capital ratio8.72%
9th
Total risk-based capital11.54%
51st
Problem loans0.13%
71st
Net charge-offs0.04%
31st
Return on assets1.93%
85th
Net interest margin4.10%
59th
Efficiency ratio50.7%
82nd
Loans to deposits92.1%
22nd
Uninsured deposits26.0%
42nd
Loan-loss reserves0.86%
15th
Texas ratio1.1%
68th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs
PSB BankBank Rhineland, MO65 out of 100, Moderate$854.5M8.1%0.29%vs
CNB St Louis BankBank Maplewood, MO65 out of 100, Moderate$812.9M9.3%0.57%vs
MRV BanksBank Sainte Genevieve, MO43 out of 100, Below average$803.1M11.5%5.72%vs
Peoples Bank & Trust Co.Bank Troy, MO58 out of 100, Moderate$908.3M10.0%2.27%vs
Stifel Trust Company, National AssociationBank Saint Louis, MO70 out of 100, Strong$911.0M7.5%0.00%vs

Deposit insurance

Is my money safe at Freedom Bank of Southern Missouri?

Yes. Freedom Bank of Southern Missouri is an FDIC-insured institution (FDIC certificate #35276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.0% of deposits ($197.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.54% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Freedom Bank of Southern Missouri lists 7 offices in 7 cities. Most locations:

  • Aurora, MO (1)
  • Cassville, MO (1)
  • Golden, MO (1)
  • Monett, MO (1)
  • Seligman, MO (1)
  • Shell Knob, MO (1)
  • Willard, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Freedom Bank of Southern Missouri reported 318 home-loan applications under HMDA (LEI 2549007RR4DXYXPJCZ82): 283 originated ($70,485,000 total), 15 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, 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
Freedom Bank of Southern Missouri
Type
State-chartered bank
FDIC certificate #
35276
RSSD ID
2835103
Primary regulator
FDIC
Holding company
Freedom Bancshares of S Mo Inc
Established
November 22, 1999
Headquarters
97 Main St, Cassville, MO 65625
Employees
111

Quick answers

Freedom Bank of Southern Missouri: common questions

Is Freedom Bank of Southern Missouri FDIC insured?

Yes. Freedom Bank of Southern Missouri is an FDIC-insured institution (FDIC certificate #35276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Freedom Bank of Southern Missouri's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Freedom Bank of Southern Missouri ever failed?

There is no failure record for FDIC certificate #35276 in the FDIC failed bank list.

How many branches does Freedom Bank of Southern Missouri have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cassville

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs
Conservation Employees Credit UnionCredit union Jefferson City, MO74 out of 100, Strong$194.9M9.8%0.20%vs
First Independent BankBank Aurora, MO74 out of 100, Strong$147.6M11.6%1.00%vs