BlastPoint's Banking Scorecard
Freedom Bank of Southern Missouri
Community
Specialty: Agricultural
MO
FDIC cert 35276
Cassville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Freedom Bank of Southern Missouri faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$803.1M
+13.9% YoY
+3.9% QoQ
|
-$588.3M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$649.3M
+17.8% YoY
+2.9% QoQ
|
-$326.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$717.4M
+11.6% YoY
+4.8% QoQ
|
-$447.2M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.27%
+1.2% YoY
-11.5% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.73%
+13.0% YoY
+2.1% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
61.84%
-1.2% YoY
+8.0% QoQ
|
-0.80% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.32%
+94.4% YoY
+109.0% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
90.51%
+5.5% YoY
-1.8% QoQ
|
+7.45% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
13.40%
-17.0% YoY
-3.0% QoQ
|
-7.64% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.26%
+101.1% YoY
+107.0% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.33%
-13.0% YoY
+30.0% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#45 of 89 · Bottom 50% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.40%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
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
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
56
56th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.66%
51
51th pctile
Efficiency Ratio
Current: 61.84% · Tier avg: 62.63%
45
45th pctile
Total Loans
Current: $649.3M · Tier avg: $975.5M
40
40th pctile
Total Deposits
Current: $717.4M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $803.1M · Tier avg: $1.4B
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.51% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.40% · Tier avg: 21.05%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.40% · Tier avg: 21.05%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.51% · Tier avg: 83.06%
35
35th pctile
Total Assets
Current: $803.1M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $717.4M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $649.3M · Tier avg: $975.5M
51
51th pctile
Efficiency Ratio
Current: 61.84% · Tier avg: 62.63%
56
56th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.66%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%