Freedom Bank of Southern Missouri: how it compares with its peers
Against 55 MO banks with half to twice its assets, Freedom Bank of Southern Missouri's strongest measure in Q2 2026 is efficiency ratio (50.69% vs. a 54.46% peer median). Its weakest relative measure is net interest margin (4.10% vs. 4.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 1.63% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 4.23% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.69% | 54.46% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $6.9M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.11% | 88.92% | Context |
What it means for lending operations
Its efficiency ratio of 50.69% is better than the 54.46% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Focus Bank Charleston, MO · $854M
- PSB Bank Rhineland, MO · $854M
- CNB St Louis Bank Maplewood, MO · $813M
- MRV Banks Sainte Genevieve, MO · $803M
- Peoples Bank & Trust Co. Troy, MO · $908M
Questions about Freedom Bank of Southern Missouri
How big is Freedom Bank of Southern Missouri?
Freedom Bank of Southern Missouri, established in 1999, is headquartered in Cassville, MO. It reported $850M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Freedom Bank of Southern Missouri's return on assets?
1.93% annualized in Q2 2026, against a 1.63% median for 55 MO banks with half to twice its assets, ahead of 65% of them.
What is Freedom Bank of Southern Missouri's efficiency ratio?
50.69% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 54.46%, and lower is better.
Is Freedom Bank of Southern Missouri growing its loans?
Net loans grew 18.5% over the year to Q2 2026, while deposits grew 12.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.