🏦Bank Scorer

AMERICAN BANK OF FREEDOM

WELLSVILLE, MO · Supervised by FDIC

Est. 1880FDIC #15,423RSSD: FDIC-15423
Part ofEVERGREEN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Address

106 E Hudson St, WELLSVILLE, MO

County

Montgomery County

Established

March 15, 1880

Total Assets

$986M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$986M

Total Deposits

$755M

Net Loans

$724M

Net Income

$1M

ROA

0.55%

ROE

5.65%

Risk-Based Capital

14.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.64%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$707M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418395.08%1.64%
202320294.06%1.49%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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