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FREEDOM BANK OF SOUTHERN MISSOURI

CASSVILLE, MO · Supervised by FDIC

Est. 1999FDIC #35,276RSSD: FDIC-35276
Part ofFREEDOM BANCSHARES OF S MO INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.85%

Institution Profile

FDIC BankFind

Address

97 Main St, CASSVILLE, MO

County

Barry County

Established

November 22, 1999

Total Assets

$841M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$841M

Total Deposits

$757M

Net Loans

$681M

Net Income

$4M

ROA

1.85%

ROE

22.20%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.92%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$673M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202430687.25%3.92%
202325683.59%5.08%
202230589.18%4.59%
202125889.15%5.04%
202015887.34%5.70%
201918483.7%4.89%
201815478.57%11.69%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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