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American Bank Of Freedom
Wellsville, MO · FDIC Certificate #15423 · Chartered 03/1
Total assets
$948.27M
Total deposits
$736.51M
Total equity
$97.25M
Net loans
$690.53M
Branches (offices)
10
Net income (YTD)
$3.04M
Rank: #1,092 of 4,213 U.S. banks by assets · #40 of 190 in Missouri. Assets changed 0.5% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 6.34% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 10.26% |
| Tier 1 leverage ratio | 10.01% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 1.54% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 93.8% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $623.34M | 90.3% | |
| Commercial & industrial | $67.81M | 9.8% | |
| Consumer / individual | $104.00K | 0.0% | |
| Construction & development | $154.90M | 22.4% | |
| Agricultural | $105.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $665.91M | $529.72M | $3.06M | $68.42M |
| Jun 2023 | $779.76M | $569.39M | $2.75M | $85.11M |
| Jun 2024 | $919.18M | $689.01M | $2.11M | $90.01M |
| Jun 2025 | $943.46M | $706.96M | $2.52M | $92.00M |
| Jun 2026 | $948.27M | $736.51M | $3.04M | $97.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $601.48M | 8 |
| Illinois | $118.44M | 1 |
| Indiana | $16.59M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $736.51M.
Similar-sized banks
Midwest Regional Bank ($948.97M) · Western Bank ($947.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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