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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.0) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) and a capital leverage ratio of 8.7. A current level of 2.3 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Home mtgs (23%), comm re (12%), securities (11%), comm loans (7%), consumer loans (3%), cash (2%), home eq lns (1%), other (42%)
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
No affiliate information available.