Side-by-side · Q2 2026 data
First Independent Bank vs Freedom Bank of Southern Missouri
Metric by metric
| Measure | First Independent Bank | Freedom Bank of Southern Missouri |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 66 (stronger) | 37 |
| Loan quality | 67 | 96 (stronger) |
| Earnings | 70 | 97 (stronger) |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 57th | 53rd |
| Total assets | $147.6M | $850.1M |
| Deposits / shares | $131.4M | $760.1M |
| Capital ratio | 11.63% (stronger) | 8.72% |
| Problem loans | 1.00% | 0.13% (stronger) |
| Net charge-offs | 0.10% | 0.04% (stronger) |
| Return on assets | 1.24% | 1.93% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 92.1% |
| Uninsured deposits | 5.8% (stronger) | 26.0% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.9% |
First Independent Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and Freedom Bank of Southern Missouri on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Aurora, MO