Bank · FDIC insured
Freedom Bank of Southern Missouri
A $850.1M bank headquartered in Cassville, MO, with 7 branches in Missouri. Best rates: CDs 4.06% and savings 0.40% APY.
Freedom Bank of Southern Missouri Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#16 of 27 in Springfield, MO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Freedom Bank of Southern Missouri
Founded in 1999 in Cassville, Missouri, Freedom Bank was formed to serve the financial needs of individuals and businesses in Barry and surrounding counties.
The bank serves Southwest Missouri across seven branch locations and offers agricultural and mortgage lending solutions.
- Headquarters
- 97 Main St, Cassville, MO 65625
- FDIC certificate
- 35276 ↗
Branches
7 branches in Missouri
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Missouri
7 branches
Cassville area · 1
- Freedom Bank of Southern MissouriMain office97 Main St, Cassville, MO 65625Directions
Aurora area · 1
- Aurora Branch444 S Rinker Ave, Aurora, MO 65605Directions
Golden area · 1
- Golden Facility36042 State Highway 86, Golden, MO 65658Directions
Monett area · 1
- Monett Branch901 E Highway 60, Monett, MO 65708Directions
Seligman area · 1
- Seligman Branch8042 Doc Meyer Rd, Seligman, MO 65745Directions
Shell Knob area · 1
- Shell Knob Branch24828 State Highway 39, Shell Knob, MO 65747Directions
Springfield area · 1
- Willard Branch502 State Highway Ab, Willard, MO 65781Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.13% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.93% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio8.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.13%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.93%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Freedom Bank of Southern Missouri are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.