West Des Moines, IA · Cert 35031 · Freedom Holdings Co.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
100
Profitability
30
Liquidity
0
Efficiency
79
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
West Des Moines, IA · Cert 35031 · Freedom Holdings Co.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.5% share · #27 of 57 inst. · $0.2B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.13% | 0.98% | 1.04% | 1.08% | 1.02% | 1.00% | 1.07% | +3 bps | |
| Return on Equity | 12.71% | 12.64% | 10.57% | 11.28% | 11.73% | 11.05% | 10.88% | 11.61% | +33 bps | |
| Net Interest Margin | 3.02% | 3.10% | 2.83% | 2.94% | 2.97% | 3.05% | 2.89% | 2.99% | +4 bps | |
| Efficiency Ratio | 50.67% | 50.99% | 55.23% | 53.04% | 52.01% | 50.28% | 54.64% | 52.38% | -65 bps | |
| Non-Interest Burden | 1.50% | 1.55% | 1.54% | 1.54% | 1.52% | 1.51% | 1.56% | 1.54% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.13% | -3.57% | -1.54% | -0.87% | 3.74% | 4.38% | 1.02% | 1.17% | +205 bps | |
| Loan Growth (YoY) | 7.14% | 8.86% | 6.96% | 4.38% | 5.79% | 8.04% | 5.23% | 1.61% | -276 bps | |
| Deposit Growth (YoY) | -0.69% | -4.33% | -1.60% | 0.39% | 0.85% | 2.24% | -2.18% | 3.92% | +353 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.24% | 1.25% | 1.26% | 1.44% | 1.48% | 1.53% | +28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.01% | 9.34% | 9.22% | 9.36% | 9.25% | 9.22% | 9.16% | 9.30% | -6 bps | |
| Total Risk-Based Capital | 11.06% | 11.24% | 11.47% | 11.42% | 11.48% | 11.25% | 11.47% | 11.62% | +20 bps | |
| Equity / Assets | 9.28% | 9.16% | 9.29% | 9.29% | 9.23% | 9.07% | 9.29% | 9.29% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.45% | 109.52% | 107.26% | 111.91% | 112.72% | 115.73% | 115.38% | 109.42% | -249 bps | |
| Liquid Assets / Assets | 10.61% | 12.06% | 12.53% | 11.23% | 11.41% | 10.02% | 10.24% | 10.74% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 668% | 678% | 665% | n/a | n/a | |
West Des Moines, IA · Cert 35031 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Freedom Holdings Co.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
1.08%
Rank 12 of 19
Net Interest Margin
2.99%
Rank 16 of 19
Efficiency Ratio
52.38%
Rank 5 of 19
Equity / Assets
9.29%
Rank 14 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 1.05% | 1.15% | 1.42% | Beats 37% | 12 / 19 | ||
| Return on Equity | 11.59% | 10.97% | 12.15% | 13.79% | Beats 37% | 12 / 19 | ||
| Net Interest Margin | 2.99% | 3.08% | 3.50% | 3.67% | Beats 16% | 16 / 19 | ||
| Efficiency Ratio | 52.38% | 52.38% | 57.82% | 63.73% | Beats 79% | 5 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | n/a | 0.21% | 0.91% | Beats 100% | 6 / 18 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | Beats 100% | 5 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.36% | 10.79% | 12.38% | 16.13% | Beats 16% | 16 / 19 | ||
| Total Risk-Based Capital Ratio | 11.62% | 11.60% | 13.40% | 17.04% | Beats 26% | 14 / 19 | ||
| Equity / Assets | 9.29% | 8.64% | 9.66% | 11.07% | Beats 26% | 14 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.42% | 65.91% | 76.09% | 88.00% | 95th pctl | 1 / 19 | ||
| Loans / Assets | 83.88% | 57.37% | 63.36% | 76.16% | 95th pctl | 1 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||