American Bank of Freedom
Wellsville, MO
IDRSSD: 568359
Total Assets
$973.77M
Latest filing
Total Deposits
$740.31M
Latest filing
Net Interest Margin
3.02%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081518058WELLSVILLE, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Bank of Freedom
106 E Hudson St
Wellsville, MO 63384
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/15/1880FDIC Certificate 9739
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| American Bank of Freedom (Main) | 106 E Hudson St | Wellsville, MO |
| ROCHESTER STATE BANK MO BRANCH | 133 John St | Rochester, IL |
| MONTGOMERY CITY BRANCH | 728 N Sturgeon St | Montgomery City, MO |
| MIDDLETOWN BRANCH | 101 N Cherry St | Middletown, MO |
| WRIGHT CITY BRANCH | 690 North Service Road West | Wright City, MO |
| WARRENTON BRANCH | 917 N Outer Rd E | Warrenton, MO |
| ROCK HILL BRANCH | 9815 Manchester Road | Saint Louis, MO |
| AMERICAN BANK OF MISSOURI - O FALLON BRANCH | 901 Highway K | O Fallon, MO |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/15/1880 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63384 |
| State and County Number | 29139 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 100 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 09/14/1936 |
| Primary Insurance Agency | DIF |
| Website | www.americanbankoffreedom.bank |
| Data Updated | 01/30/2026 |
| CERT | 15423 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $973.77M |
| Total Deposits | $740.31M |
| Total Liabilities | $879.24M |
| Total Equity Capital | $94.53M |
| Net Income | $116.00k |
| Net Loans and Leases | $731.56M |
| Assets Per Employee ($Millions) | $9.36M |
| Bank Premises and Fixed Assets | $16.92M |
| Cash and Balances due from Depository Institutions | $123.83M |
| Deposits Held in Domestic Offices | $740.31M |
Key Performance Ratios
| Return on Assets (ROA) | 0.05% |
| Return on Equity (ROE) | 0.49% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 68.01% |
| Tier 1 Risk-Based Capital Ratio | 12.752% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.92% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.707% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $14.43M |
| Total Noninterest Income | $576.00k |
| Total Interest Expense | $7.48M |
| Total Noninterest Expense | $5.16M |
| Net Interest Income | $6.95M |
| Pre-tax Net Operating Income | $132.00k |
| Provision for Credit Losses | $2.24M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $133.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.93M |
| Total Liabilities and Capital | $973.77M |
Securities
| Securities | $72.97M |
| Available-for-sale debt securities | $72.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Bank of Freedom?
$973.77M as of the latest filing.
How much are American Bank of Freedom's total deposits?
$740.31M in total deposits.
Where is American Bank of Freedom located?
Wellsville, MO.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
12.
When was it established?
03/15/1880.
What is the Return on Assets (ROA)?
0.05%.
How much are total loans and leases?
$731.56M (latest filing).
What is the total interest income (latest filing)?
$14.43M.