BlastPoint's Banking Scorecard
American Bank of Freedom
Community
Specialty: Commercial
MO
FDIC cert 15423
Wellsville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
American Bank of Freedom faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13% in Community
- - Return on Assets 0.74% below tier
- - Non-Interest-Bearing Deposit Share 13.03% below tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$973.8M
+4.2% YoY
+0.4% QoQ
|
-$417.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$731.6M
-2.2% YoY
-3.6% QoQ
|
-$243.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$740.3M
+3.3% YoY
+0.6% QoQ
|
-$424.3M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.42%
+0.4% YoY
-23.2% QoQ
|
-0.74% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.07%
+3.5% YoY
-0.4% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
72.40%
+11.8% YoY
-2.1% QoQ
|
+9.77% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.89%
+8.1% YoY
+69.5% QoQ
|
+1.26% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
98.82%
-5.3% YoY
-4.2% QoQ
|
+15.76% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
8.01%
-16.6% YoY
-0.2% QoQ
|
-13.03% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.42%
+1.4% YoY
+62.9% QoQ
|
+0.92% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
12.75%
+8.1% YoY
+3.4% QoQ
|
+2.51% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.15%
-68.7% YoY
+61.5% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#66 of 513 · Bottom 13% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.82%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.42%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.01%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
55
55th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 10.24%
52
52th pctile
Total Loans
Current: $731.6M · Tier avg: $975.5M
48
48th pctile
Total Assets
Current: $973.8M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $740.3M · Tier avg: $1.2B
22
22th pctile
Efficiency Ratio
Current: 72.40% · Tier avg: 62.63%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.82% · Tier avg: 83.06%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.63%
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.01% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.01% · Tier avg: 21.05%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
11
11th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.50%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.82% · Tier avg: 83.06%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
22
22th pctile
Efficiency Ratio
Current: 72.40% · Tier avg: 62.63%
42
42th pctile
Total Deposits
Current: $740.3M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $973.8M · Tier avg: $1.4B
52
52th pctile
Total Loans
Current: $731.6M · Tier avg: $975.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 10.24%