American Bank Of Freedom (FDIC #15423): Bank Stress & Real-Estate Credit Exposure
American Bank Of Freedom (FDIC Cert #15423): bank stress 77/100, severe, STABLE over 7 days; parent EVERGREEN BANCSHARES INC.
American Bank Of Freedom (#15423) lends in 6 counties across 3 states; American Bank Of Freedom (#15423) reaches 130 ZIP codes: Missouri 4 counties, 77 ZIPs; Illinois 1 county, 30 ZIPs; Indiana 1 county, 23 ZIPs.
American Bank Of Freedom (#15423) largest markets: St. Louis County, MO (94 branches, 47 ZIPs) (#15423), Sangamon County, IL (30 branches, 30 ZIPs) (#15423), Hamilton County, IN (23 branches, 23 ZIPs) (#15423), St. Charles County, MO (15 branches, 15 ZIPs) (#15423), Montgomery County, MO (33 branches, 11 ZIPs) (#15423), Warren County, MO (20 branches, 10 ZIPs) (#15423).
American Bank Of Freedom (#15423) reports $948.3 million in total assets; American Bank Of Freedom (#15423) equity $97.2 million (10.3% of American Bank Of Freedom (#15423) assets); American Bank Of Freedom (#15423) domestic deposits $736.5 million; American Bank Of Freedom (#15423) net income $3.0 million; American Bank Of Freedom (#15423) return on assets 0.63%; American Bank Of Freedom (#15423) return on equity 6.34%; American Bank Of Freedom (#15423) net interest income $14.4 million; American Bank Of Freedom (#15423) call report June 30, 2026.
American Bank Of Freedom (#15423) noncurrent real-estate loans 0.05% of its book; American Bank Of Freedom (#15423) residential 0.14%; American Bank Of Freedom (#15423) net charge-offs on real estate 1.38%; American Bank Of Freedom (#15423) residential charge-offs 2.64%.
American Bank Of Freedom (#15423) net interest margin 3.13% against an eight-quarter American Bank Of Freedom (#15423) average of 3.02% (American Bank Of Freedom (#15423) compression -0.11 points); American Bank Of Freedom (#15423) real-estate loans 5.3% of equity; American Bank Of Freedom (#15423) non-residential real estate 264.3% of equity; American Bank Of Freedom (#15423) rate-exposure score 40/100, American Bank Of Freedom (#15423) fixed-rate trap 40/100; American Bank Of Freedom (#15423) risk type credit driven; American Bank Of Freedom (#15423) rate regime rates elevated, American Bank Of Freedom (#15423) snapshot October 19, 2026.
American Bank Of Freedom (#15423) stress score moved from 78.9 on June 22, 2026 to 77.1 on October 19, 2026; American Bank Of Freedom (#15423) ranged 77.1 to 78.9 over 116 snapshots.
American Bank Of Freedom (#15423) alerts: 6 counties; top American Bank Of Freedom (#15423) alert scores: Noblesville County, MO 23 (low); O Fallon County, MO 23 (low); Rochester County, MO 23 (low); Saint Louis County, MO 23 (low); Wellsville County, MO 23 (low).