Freedom Bank of Southern Missouri

Freedom Bank of Southern Missouri is headquartered in Cassville and is the 139^th largest bank in the state of Missouri. It is also the 3,753^rd largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 36 employees at 3 locations. Freedom Bank of Southern Missouri's money market rates are 36% higher than the national average, and it has a 4-star health rating.

Freedom Bank of Southern Missouri Routing Number: 081518906

Freedom Bank of Southern Missouri Checking Account Rates

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Freedom Bank of Southern Missouri Money Market Rates

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Data for Q1 2012

Institution Statistics Freedom Bank of Southern Missouri FDIC Certificate # 35276 BankRate Report View Year Established 1999 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $157.17 million Loans $117.02 million Deposits $145.10 million Equity Capital $11.75 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $1.50 million Real Estate Owned $1.07 million Historic Data - March 2011 Assets $125.41 million Equity Capital $10.31 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $1.67 million Real Estate Owned $531,000 Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 1.35% Return on Equity 17.67% Interest Income $1.92 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Freedom Bank of Southern Missouri had $2.57 million in non-current loans and owned real-estate with $13.45 million in equity and loan loss allowances on hand to cover it. This gives Freedom Bank of Southern Missouri a Texas Ratio of 19.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Freedom Bank of Southern Missouri held steady from 18.80% as of March 31, 2011 to 19.11% as of March 31, 2012, resulting in a negative change of 1.69%. This indicates that the balance sheet and financial strength for Freedom Bank of Southern Missouri has held steady in recent periods. Deposit Growth In the past year, Freedom Bank of Southern Missouri has increased its total deposits by $30.31 million, resulting in 26.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Freedom Bank of Southern Missouri has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Freedom Bank of Southern Missouri has $157.17 million in assets with $13.45 million in equity, resulting in a capitalization level of 8.56%, which is average.

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