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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

American Bank of Freedom

Wellsville, Missouri · $948M in assets · beside the 11 other Missouri banks between $300M and $1B

The filing

57.7%
CRE / loans
11th of 11
381.1%
CRE / capital
12th of 12
70.9%
Efficiency
11th of 12

American Bank of Freedom is the fourth largest of the 12 Missouri banks nearest its size between $300M and $1B, with $948M in assets at 30 June 2026. Loans are 95.0% of deposits, 9th of 12 against a median of 92.1%, and equity is 10.3% of assets, 6th of 12. Loans grew -9.2% in the year, 10th of 11, and deposits grew 4.2%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 1.54% of the book, 9th of 11 against a median of 0.45%; 0.63% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 57.7% of loans, the highest in the cohort against a median of 32.5%, and 381% of capital, above the 300% screen, with construction at 146% against the 100% screen.

Return on assets is 0.62%, 10th of 12 against a median of 1.54%, on an efficiency ratio of 70.9%, 11th of 12. Five years ago it was 1.34%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.9% of loans).

Commercial real estate, share of loansMO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 32.5% FF First Federal Bank of Kansas County 10.8% FB Focus Bank 17.7% PS Peoples Savings Bank of Rhineland 20.8% FB Freedom Bank of Southern Missouri 23.0% PB Peoples Bank & Trust Co. 32.1% LB Lindell Bank & Trust Co. 32.5% MB Mid-missouri Bank 35.7% Bo Bank of Old Monroe 42.9% BR Blue Ridge Bank & Trust Co. 46.0% MR Midwest Regional Bank 47.6% AB American Bank of Freedom 57.7%
Loans, year over yearMO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.0% Bo Bank of Old Monroe +21.1% PS Peoples Savings Bank of Rhineland +20.2% FB Freedom Bank of Southern Missouri +18.5% BR Blue Ridge Bank & Trust Co. +7.1% PB Peoples Bank & Trust Co. +5.7% LB Lindell Bank & Trust Co. +5.0% MB Mid-missouri Bank +3.2% FF First Federal Bank of Kansas County +1.0% FB Focus Bank +0.2% AB American Bank of Freedom -9.2% MR Midwest Regional Bank -16.8%

SBA 7(a), FY2008 to FY2026

American Bank of Freedom is the 15th largest 7(a) lender into Missouri of 444, with $116M across 123 loans, 1.5% of everything approved in the state (Oakstar Bank leads with $556M). 17 of its 33 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Saint Louis, MO$46M7th of 1783.2%-1.9 pts
Saint Charles, MO$31M3rd of 1367.0%-10.9 pts
Franklin, MO$9M5th of 497.1%-21.9 pts
Jefferson, MO$7M5th of 794.7%-8.3 pts
Saint Louis City, MO$7M14th of 1002.2%-1.0 pts
Saint Francois, MO$6M3rd of 377.8%quiet FY2020
Boone, MO$4M9th of 672.1%thin
Montgomery, IL$4M1st of 2226.3%quiet FY2022
Saint Clair, IL$3M19th of 901.5%quiet FY2021
Effingham, IL$3M5th of 295.5%quiet FY2022
Boone, IN$2M19th of 581.4%quiet FY2021
Madison, IL$2M37th of 910.7%+1.2 pts
Williamson, TN$1M51st of 1120.3%quiet FY2020
20 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services30$30M21.4%0.09%181st of 2,248
Accommodation & food services28$27M19.1%0.04%331st of 2,596
Manufacturing12$18M13.1%0.05%313th of 2,246
Construction20$17M12.3%0.05%264th of 2,063
Health care & social assistance13$11M7.7%0.02%368th of 2,172
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and American Bank of Freedom
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans AB American Bank of Freedom 1.5% $116M · 123 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
American Bank of FreedomRankCohort median
Total CRE against capital, the 300% screen381%12th of 12196%
Construction against capital, the 100% screen146%10th of 1268%
Construction and land development, share of loans22.1%10th of 1111.4%
Non-owner-occupied nonfarm nonresidential, share of loans23.9%10th of 1114.1%
Total CRE, the guidance definition, share of loans57.7%11th of 1132.5%
CRE growth over 36 months, the third prong+22.9%4th of 11+48.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of Old Monroe$995M1.5%46.6%0.00%-0.04%1.7%73.0%7.1%
First Federal Bank of Kansas County$993M0.4%84.3%0.45%0.29%1.3%111.1%10.7%
Midwest Regional Bank$949M-1.4%69.2%6.61%3.20%2.5%91.2%10.5%
American Bank of Freedom$948M0.6%70.9%1.54%0.05%1.3%95.0%10.3%
Mid-missouri Bank$947M1.6%59.0%0.07%0.04%1.2%80.5%10.6%
Lindell Bank & Trust Co.$915M2.7%46.0%0.58%-0.05%2.7%77.1%18.0%
Stifel Trust Co. N.A.$911M3.3%38.9%no recordno recordno record0.0%5.8%
Peoples Bank & Trust Co.$908M1.5%51.8%2.27%0.01%1.6%62.2%8.7%
Blue Ridge Bank & Trust Co.$867M1.4%56.8%0.13%0.00%1.7%93.2%9.9%
Peoples Savings Bank of Rhineland$854M1.2%64.8%0.29%-0.01%1.1%96.7%8.4%
Focus Bank$854M1.7%64.4%0.85%0.05%1.2%104.9%12.1%
Freedom Bank of Southern Missouri$850M1.9%51.2%0.13%0.04%0.9%92.9%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American Bank of FreedomCohort median
20212026Change20212026Change
Loans$447M$700M+57%$428M$676M+58%
Deposits$413M$737M+78%$616M$748M+22%
NPA / loans1.05%1.54%+0.49 pts0.34%0.45%+0.11 pts
Efficiency54.1%70.9%+16.8 pts63.6%57.9%-5.8 pts
ROA1.34%0.62%-0.71 pts1.24%1.54%+0.30 pts

This read was prepared for American Bank of Freedom's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American Bank of Freedom is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution www.americanbankoffreedom.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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