Freedom Bank of Southern Missouri
Cassville, MO
IDRSSD: 2835103
Total Assets
$803.15M
Latest filing
Total Deposits
$717.39M
Latest filing
Net Interest Margin
3.96%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Freedom Bank of Southern Missouri
97 Main St
Cassville, MO 65625
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/22/1999FDIC Certificate 77241
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Freedom Bank of Southern Missouri (Main) | 97 Main St | Cassville, MO |
| AURORA BRANCH | 444 S Rinker Ave | Aurora, MO |
| GOLDEN FACILITY | 36042 State Highway 86 | Golden, MO |
| MONETT BRANCH | 901 E Highway 60 | Monett, MO |
| MESSENGER SERVICE | 901 E Highway 60 | Monett, MO |
| SELIGMAN BRANCH | 8042 Doc Meyer Rd | Seligman, MO |
| WILLARD BRANCH | 502 State Highway Ab | Willard, MO |
| SHELL KNOB BRANCH | 24828 State Highway 39 | Shell Knob, MO |
Showing 7 of 7
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 | 11/22/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65625 |
| State and County Number | 29009 |
| Subchapter S Corporations | Yes |
| 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 | 112 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/22/1999 |
| Primary Insurance Agency | DIF |
| Website | www.freedombk.com |
| Data Updated | 01/30/2026 |
| CERT | 35276 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $803.15M |
| Total Deposits | $717.39M |
| Total Liabilities | $735.82M |
| Total Equity Capital | $67.33M |
| Net Income | $1.59M |
| Net Loans and Leases | $649.35M |
| Assets Per Employee ($Millions) | $7.65M |
| Bank Premises and Fixed Assets | $10.91M |
| Cash and Balances due from Depository Institutions | $14.44M |
| Deposits Held in Domestic Offices | $717.39M |
Key Performance Ratios
| Return on Assets (ROA) | 0.81% |
| Return on Equity (ROE) | 9.32% |
| Net Interest Margin | 3.96% |
| Efficiency Ratio | 73.78% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.383% |
| Earning Assets to total Assets | 94.01% |
Income and Expense
| Total Interest Income | $12.06M |
| Total Noninterest Income | $691.00k |
| Total Interest Expense | $4.73M |
| Total Noninterest Expense | $5.96M |
| Net Interest Income | $7.33M |
| Pre-tax Net Operating Income | $1.59M |
| Provision for Credit Losses | $467.00k |
| 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 | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $30.18M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.43M |
| Total Liabilities and Capital | $803.15M |
Securities
| Securities | $69.30M |
| Available-for-sale debt securities | $66.30M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Freedom Bank of Southern Missouri?
$803.15M as of the latest filing.
How much are Freedom Bank of Southern Missouri's total deposits?
$717.39M in total deposits.
Where is Freedom Bank of Southern Missouri located?
Cassville, MO.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
8.
When was it established?
11/22/1999.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$649.35M (latest filing).
What is the total interest income (latest filing)?
$12.06M.