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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.14% | 0.98% | 1.11% | 1.17% | 0.82% | 1.00% | 1.15% | +4 bps | |
| Return on Equity | 11.51% | 12.34% | 10.57% | 11.92% | 12.59% | 8.91% | 10.88% | 12.34% | +41 bps | |
| Net Interest Margin | 2.89% | 3.12% | 2.83% | 3.00% | 3.07% | 3.37% | 2.89% | 3.03% | +3 bps | |
| Efficiency Ratio | 52.70% | 51.96% | 55.23% | 50.92% | 50.07% | 45.72% | 54.64% | 50.19% | -73 bps | |
| Non-Interest Burden | 1.50% | 1.59% | 1.54% | 1.50% | 1.51% | 1.51% | 1.56% | 1.50% | -1 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 | |