Total Assets
$974M
Total balance-sheet footings
FDIC Cert #15423 · Wellsville, Missouri · Est. 1880
American Bank of Freedom - FDIC Bank Health Profile
A community-scale look at American Bank of Freedom's own numbers, pulled straight from its quarterly FDIC Call Report.
- $974M
- Total assets
- C
- Health grade · Fair
- 0.42%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
American Bank of Freedom earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.75% Tier 1, 0.42% ROA, 72% efficiency ratio.
- #1,070
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 12.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How American Bank of Freedom's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Bank of Freedom's composite health score
Tier 1 Capital Ratio (12.75%) 35/40
Return on Assets (ROA) (0.42%) 7/25
Texas Ratio (13.38%) 16/20
Efficiency Ratio (72.40%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$740M
Customer-funded liabilities
Net Loans
$732M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Bank of Freedom ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank of Freedom's score of 62/100 falls in the highlighted band.
American Bank of Freedom's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank of Freedom's $974M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.75%
Texas Ratio
13.38%
Equity Capital
$95M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.42%
Return on Equity (ROE)
4.35%
Efficiency Ratio
72.40%
What the numbers say about American Bank of Freedom
American Bank of Freedom is an FDIC-insured institution (Certificate #15423) headquartered in Wellsville, Missouri, established in 1880. It holds $974M in total assets - 1,070th of 4,313 FDIC-insured banks, $740M in customer deposits, and $732M in net loans. Looking at capital strength, Tier 1 stands at 12.75%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.38%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, American Bank of Freedom ranks 39th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$58M
Interest Income
$2M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank of Freedom reports a Texas Ratio of 13.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank of Freedom (FDIC Cert #15423) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is American Bank of Freedom's health grade?▼
American Bank of Freedom receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is American Bank of Freedom?▼
American Bank of Freedom holds $974M in total assets and $740M in deposits, ranking 1,070th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wellsville, Missouri.
Is my money safe at American Bank of Freedom?▼
Yes, deposits at American Bank of Freedom (Certificate #15423) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Bank of Freedom's Tier 1 Capital Ratio?▼
American Bank of Freedom has a Tier 1 Capital Ratio of 12.75%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for American Bank of Freedom?▼
American Bank of Freedom has a Texas Ratio of 13.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Bank of Freedom?▼
American Bank of Freedom has an Efficiency Ratio of 72.40%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Bank of Freedom's profile as a depositor or analyst.
- American Bank of Freedom's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Bank of Freedom against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.