Total Assets
$803M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Freedom Bank of Southern Missouri — FDIC Bank Health Profile
Cassville, Missouri · Est. 1999. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #35276 Kansas City Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — Freedom Bank of Southern Missouri
Total Deposits
$717M
Customer-funded liabilities
Net Loans
$649M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$67M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.27%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
14.74%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
61.84%
Income & Expense Breakdown
$45M
Interest Income
$3M
Non-Interest Income
$18M
Non-Interest Expense
FDIC Deposit Insurance
Freedom Bank of Southern Missouri is FDIC-insured (Certificate #35276). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri is an FDIC-insured institution (Certificate #35276) headquartered in Cassville, Missouri, established in 1999. The bank currently holds $803M in total assets and $717M in customer deposits, with $649M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Freedom Bank of Southern Missouri reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $67M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.27% and a Return on Equity of 14.74%, with an Efficiency Ratio of 61.84% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Freedom Bank of Southern Missouri is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Missouri by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Freedom Bank of Southern Missouri (FDIC Cert #35276) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Kansas City | $72.8B | C | 1.01% |
| Commerce Bank Kansas City | $32.7B | B | 1.74% |
| The Central Trust Bank Jefferson City | $20.8B | B | 1.82% |
| Stifel Bank and Trust Saint Louis | $19.4B | B | 1.82% |
| Enterprise Bank & Trust Clayton | $17.3B | C | 1.29% |
| Stifel Bank Saint Louis | $11.7B | C | 1.49% |
| First Bank St. Louis | $6.7B | C | 0.51% |
| Great Southern Bank Reeds Spring | $5.6B | B | 1.31% |
Frequently Asked Questions
What is Freedom Bank of Southern Missouri's health grade? ▼
Freedom Bank of Southern Missouri receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Freedom Bank of Southern Missouri? ▼
Freedom Bank of Southern Missouri holds $803M in total assets and $717M in deposits. It is headquartered in Cassville, Missouri.
Is my money safe at Freedom Bank of Southern Missouri? ▼
Yes. Freedom Bank of Southern Missouri is FDIC-insured (Certificate #35276). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Freedom Bank of Southern Missouri's Tier 1 Capital Ratio? ▼
Freedom Bank of Southern Missouri has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Freedom Bank of Southern Missouri? ▼
Freedom Bank of Southern Missouri has an Efficiency Ratio of 61.84%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.