Elkader, IA · Cert 11767 · Freedombank Shares Employee STK Ownership Plan
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.93% | 1.24% | 1.08% | 0.90% | +8 bps | |
| Return on Equity | 8.25% | 8.86% | 11.75% | 10.09% | 8.20% | -5 bps | |
| Net Interest Margin | 2.89% | 3.17% | 3.34% | 3.40% | 3.35% | +45 bps | |
| Efficiency Ratio | 65.52% | 62.73% | 53.15% | 58.56% | 63.54% | -198 bps | |
| Non-Interest Burden | 1.75% | 1.83% | 1.60% | 1.83% | 2.06% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.52% | 2.05% | 0.85% | -2.48% | -0.44% | -196 bps | |
| Loan Growth (YoY) | 2.23% | 6.47% | 6.67% | 5.57% | 6.13% | +390 bps | |
| Deposit Growth (YoY) | 2.07% | 0.92% | -0.19% | -3.61% | -1.34% | -341 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.87% | 0.51% | 0.50% | 0.52% | 0.26% | -61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.03% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.10% | 1.10% | 1.11% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 2.1x | 2.2x | 2.1x | 4.3x | +3.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.08% | 10.22% | 10.00% | 10.33% | 10.70% | +63 bps | |
| Total Risk-Based Capital | 14.43% | 14.64% | 14.40% | 15.21% | 15.32% | +89 bps | |
| Equity / Assets | 10.42% | 10.55% | 10.51% | 10.81% | 11.27% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.54% | 87.84% | 86.62% | 88.32% | 90.94% | +640 bps | |
| Liquid Assets / Assets | 0.04% | 0.17% | 0.14% | 0.09% | 0.09% | +5 bps | |
| CRE / Total Capital | n/a | 150.12% | 154.81% | 138.97% | n/a | n/a | |