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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wellsville, MO · FDIC certificate #15423
AMERICAN BANK OF FREEDOM is an FDIC-insured institution based in Wellsville, MO (FDIC certificate #15423). In its Q3 2026 Call Report it reported total assets of $932M, total deposits of $727M and net loans of $703M. Its primary federal regulator is FDIC.
Plain-language readout
AMERICAN BANK OF FREEDOM has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $986M in Q1 2026 and were lowest at $932M in Q3 2026.
Total deposits were highest at $755M in Q1 2026 and lowest at $727M in Q3 2026.
Over the whole period total assets fell 5.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $932M | $727M | $703M | 0.66% | 6.56% | 3.20% |
| Q2 2026 | $948M | $737M | $691M | 0.63% | 6.34% | 3.13% |
| Q1 2026 | $986M | $755M | $724M | 0.55% | 5.65% | 3.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $131.0M | $141.0M | -$10.0M | -7.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $82.7M | $76.4M | +$6.3M | +8.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $690.5M | $724.0M | -$33.4M | -4.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $17.0M | $17.0M | +$73K | +0.4% |
| Other real estate owned | $137K | $0K | +$137K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $4.8M | $4.8M | -$37K | -0.8% |
| All other assets | $22.1M | $23.2M | -$1.1M | -5.0% |
| Total assets | $948.3M | $986.4M | -$38.1M | -3.9% |
| Liabilities | ||||
| Total deposits | $736.5M | $754.6M | -$18.1M | -2.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $108.0M | $130.0M | -$22.0M | -16.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.5M | $6.1M | +$407K | +6.7% |
| Total liabilities | $851.0M | $890.7M | -$39.7M | -4.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $155K | $155K | $0K | 0.0% |
| Surplus | $57.1M | $57.1M | $0K | 0.0% |
| Retained earnings | $44.6M | $42.9M | +$1.7M | +4.0% |
| Accumulated other comprehensive income | -$4.6M | -$4.5M | -$108K | -2.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $97.2M | $95.7M | +$1.6M | +1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $10.9M | $15.5M | -$4.6M | -29.6% |
| Adjusted nonperforming assets | $10.9M | $15.5M | -$4.6M | -29.6% |
| Tangible equity plus allowance | $101.6M | $99.8M | +$1.8M | +1.8% |
| Texas ratio (gross) | 10.73% | 15.52% | -4.79 pts | See points |
| Texas ratio (adjusted) | 10.73% | 15.52% | -4.79 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 13.55% | 12.83% | +0.71 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.55% | 12.83% | +0.71 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.21% | +0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.80% | 14.04% | +0.76 pts | See points |
| Tier 1 leverage (approximate) | 10.01% | 9.75% | +0.26 pts | See points |
| Construction and land loans to total capital | 146.12% | 157.28% | -11.16 pts | See points |
| Commercial real estate to total capital | 381.10% | 417.26% | -36.16 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.16% | -6.13% | -0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $639.1M | $646.2M | -$7.1M | -1.1% |
| Non-core funding | $205.4M | $238.4M | -$33.0M | -13.8% |
| Loans to core deposits | 109.48% | 113.43% | -3.94 pts | See points |
| Loans to deposits | 95.00% | 97.13% | -2.13 pts | See points |
| Brokered deposits share of deposits | 6.42% | 7.63% | -1.21 pts | See points |
| Pledged securities share of securities | 25.51% | 27.26% | -1.75 pts | See points |
| Loans pledged, share of loans | 47.27% | 43.85% | +3.42 pts | See points |
| Volatile liabilities | $212.1M | $246.3M | -$34.2M | -13.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.1M | +$2.4M | +115.9% |
| Earnings before provision, single quarter | $2.4M | $2.1M | +$331K | +15.9% |
| Provision for credit losses, year to date | $551K | $335K | +$216K | +64.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.85% | 6.68% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 3.75% | 3.40% | +0.35 pts | See points |
| Total interest income to average assets | 5.93% | 5.79% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 1.90% | 1.98% | -0.08 pts | See points |
| Cost of savings and money market deposits | 2.45% | 2.45% | -0.00 pts | See points |
| Cost of time deposits | 4.03% | 4.06% | -0.03 pts | See points |
| Total interest expense to average assets | 2.90% | 2.94% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $932M | $727M | $703M | 0.66% | 6.56% | 3.20% |
| 2026-06-30 | $948M | $737M | $691M | 0.63% | 6.34% | 3.13% |
| 2026-03-31 | $986M | $755M | $724M | 0.55% | 5.65% | 3.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MO | $582.1M | 0.22% | 69 | Continuing · -0.01 pp |
| IL | $108.1M | 0.02% | 291 | Continuing · +0.00 pp |
| IN | $16.8M | 0.01% | 128 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.