# AMERICAN BANK OF FREEDOM
WELLSVILLE, MO · FDIC certificate 15423 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $948.3M | |
| Deposits | $736.5M | |
| Loans and leases | $699.7M | |
| Total equity | $97.2M | |
| Loans / deposits | 93.76% (p79 of band) | 82.04% |
| Liquid assets / assets | 22.54% (p42 of band) | |
| Uninsured deposits / deposits | 23.67% (p42 of band) | 25.97% |
| Brokered deposits | 4.98% | |
| Wholesale funding | 16.37% (p89 of band) | |
| FHLB advances / assets | 11.39% | |
| Tier 1 leverage | 10.01% (p35 of band) | 10.81% |
| Unrealized securities loss / equity | -6.15% (p57 of band) | -8.10% |
| AOCI / equity | -0.33% (p51 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.28% |
| Net interest margin | 3.13% (p13 of band) | 3.91% |
| Efficiency ratio | 70.40% (p74 of band) | |
| Noncurrent loans | 1.54% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 85.05% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 159.29% (p97 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $8.1M (8% of equity) (p96 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | loans exceed deposits |  |
| 2011-12 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | loans exceed deposits, deposits shrinking |  |
| 2014-03 | 0 |  | loans exceed deposits, deposits shrinking |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 2 | capital falling | reserve under noncurrent |
| 2015-03 | 1 |  | loans exceed deposits |
| 2015-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | liquid assets <10% |
| 2016-03 | 0 |  | loans exceed deposits |
| 2016-06 | 2 | loans exceed deposits, capital falling |  |
| 2016-09 | 4 | liquid assets <10%, construction >100% equity |  |
| 2016-12 | 2 |  | loans exceed deposits, construction >100% equity |
| 2017-03 | 3 | charge-offs p90, construction >100% equity | liquid assets <10% |
| 2017-06 | 2 | liquid assets <10% | capital falling, charge-offs p90 |
| 2017-09 | 3 | loans exceed deposits |  |
| 2017-12 | 2 |  | construction >100% equity |
| 2018-03 | 3 | charge-offs p90, construction >100% equity | liquid assets <10% |
| 2018-06 | 3 | liquid assets <10% | charge-offs p90 |
| 2018-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | loans exceed deposits |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 3 | wholesale funding >15% |  |
| 2020-06 | 5 | liquid assets <10%, capital falling |  |
| 2020-09 | 3 |  | liquid assets <10%, capital falling |
| 2020-12 | 2 | liquid assets <10% | construction >100% equity, wholesale funding >15% |
| 2021-03 | 3 | construction >100% equity |  |
| 2021-06 | 2 |  | liquid assets <10% |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 3 | loans exceed deposits |  |
| 2022-09 | 4 | wholesale funding >15%, capital falling | charge-offs p90 |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | reserve under noncurrent |  |
| 2024-09 | 5 | noncurrent p90 | reserve under noncurrent |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | reserve under noncurrent | capital falling |
| 2025-06 | 5 | charge-offs p90 | noncurrent p90 |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | loans exceed deposits |
| 2026-03 | 3 |  | charge-offs p90 |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-21 [PSB Bank taps 25-year banking veteran to lead St. Charles region - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaG1OYVFCY0gzZ1N1ei1HaFBPX0xRY1cwMWtib1E1WHVXLTBsczNvSERIem0ySjc4NkhhcGdXT1dhOU40VkhzM0dScGtMdjdlU3FEaDJfR3FYZkp6UlZyZnNDLXNSZmF4dFRKMERtWkNHLVZfYW9Xa0NxZzFjWWxQWHh4Y2ZtLXhFQk4zSmcta21FUTBJVE1wUDZvTFhhUmMtWEttZmh1R3gzaG8?oc=5) · The Business Journals
- 2023-09-28 [American Bank of Freedom opens branch in Westfield - Current Publishing](https://news.google.com/rss/articles/CBMikgFBVV95cUxONjFGMTJGQTl2Y1UwcjFuNzNQRXdOLWhtblFZQTg4VEVfaW45VnlCeTdwdFUzV2w0SW4tWTFVbGZNZXFmYnZ2VlhaOC1DVmZTQlZvVERXbXVHbE8tNG15Wm1rekRNdWZOZHpFVmxTb0xxSXBtTkJVT1puVi1YWDlnZ3ZYNnNLamRDNzN1MkpqWEphUQ?oc=5) · Current Publishing
- 2026-02-13 [Messenger: Democracy wins in a tiny Missouri village, ending a ruling family's reign - stltoday.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSG5UWXFWVWNIZUZKOXdmaEpKZHA0d0E5b2N4VEtSRlNpZmVoUVJ2dk92RFNiTWZFWTlYeF9JenBobHFmWFpLdkhmUFp6cGd2d3cwX2JVS0xhR1pFakpKQm83TGZIdXBNQUhiVUFJY0RGOGdrQXlWV3J1blpQSjk0eXFRT1pOazJuSHBTMmtMVGZFMjZvRElac2JUWDRybUllNW1LVTZldXA3Z0U?oc=5) · stltoday.com
- 2023-09-22 [Westfield Chamber holds ribbon cutting for first American Bank of Freedom in Indiana - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMiswFBVV95cUxPMGdfanFWWUxmWXJJanpROENZeHVKbTVnV3NSYktkWlNrRExNZ1pIR0RwdmRHYkJtS19RLWVkVXVDT0xLQnB2Um9zMVBzbUZ1cHBYbTMybkJET29vNkt0SUh2ZWJ4UnZSb1kwanhHMGJWWFNyU04yeUx1OGN0SGlKbFFEZzczSEI1SUZ1Y2hINXM1UmZSYkpXMXNuSkRuZno5a2NnejdDVkR0dDJ3TUJrbUhsWQ?oc=5) · The Hamilton County Reporter
- 2026-07-03 [St. Louis-area businesses that have opened in 2026 - stltoday.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRmFCaUFqOV9SLTkwazM1dVNweHdtT0xiNzNYc0pwYXQyeVYzZE9mV2JMVXVseGlvWlZuN21wd0JDUGE1dGg5UGJucDdKMVhXN29ZREVXNWVJSmhhN0FyaGxOVVoxQUhVMHR1Z3ZHU1dWTWxQT3kwdEluVmNvVnJuQTRpeUhLbFJqcm1DbnNrcHBzSnp6MFp3MEtR?oc=5) · stltoday.com
- 2026-06-17 [Art gallery in Washington, Mo., continues Gary Lucy's legacy - stltoday.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPeWRiem0wbjY3OEFkWW9JWFFidml3WjFZY3NSQnU0REdjV0FfU21aQl9NUW1iclE2eEY3TXdvcW82U2UyZU1Sc2lnLUVyRGY0aENUbjVDZ05Ib2FMejM1V0VmZVNDM0NLeFdxZEN6d2wyQ1BsYTIyaHFueTZkaU16YmFFTmNJZk9Nb1VVMDlSemNGVWRfX0txeU5QLVhZa2pZ?oc=5) · stltoday.com
- 2026-01-14 [Missouri's DOGE effort targets cybersecurity as state recovers from hack - stltoday.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeHNHRjg0ZXFDUVZKT0IxWk9VbUN4bjdHMDBuWm1aRWdlTlFEYmJMOHJxc1gwYnRUMW1fLTZ4ZWlmNGl3SERGcU03bTFGakhyd08tVm9iaTB5US01S2o3ZndwQVBNMDFKU25tMkhuRnhkQ0pMLUk5RHZLeExMVS1YYWhidmtkTEZOcnR2Sk9uaG1xUTZNRE9WNjQ2ZDdfM1ctazJzdHhYNFY?oc=5) · stltoday.com
- 2025-10-18 [BMO selling its St. Louis bank branches, 100-plus other locations, to First Citizens Bank - stltoday.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOVDh1VlZUUlJwRFhHNTlSS0ttSEJBT21iazQxaGFBS1dhc0tFSHRzNkItXzZxci1faWthMFBPQTFrMi1UVUlHa01ZTFhsUUo4WWlNdjJTdzRpMnlpOXVnWUNYU3JGbS0yRTdBb1Vqel9iY2pWb3lVZzBYbVhZZDdVMlhNeDhiZV9pdFFGVnU5UlRrTkpoQnBsTHRR?oc=5) · stltoday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15423 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "15423", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide