Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 2.6 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (6.9) profitability. Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.7.
Asset Mix:
Home mtgs (24%), comm re (13%), securities (8%), comm loans (6%), consumer loans (2%), cash (2%), home eq lns (2%), other (43%)
States with Branches:
MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Freedom Bancshares of Southern Missouri, Inc.
Investment Rating
--
Address
97 South Main Street
Cassville, MO 65625
Cassville, MO 65625
Phone Number
(417) 846-1719
Year Founded
1999
FDIC Number
Website
Largest Affiliates
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