Freedom Bank
Huntingburg, IN · Cert 35221 · Peer group: banks under $1B in assets (n=581-629) · Freedom Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
$585.7MAssets
$502.6MLoans
$505.7MDeposits
$69.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets (rank 34 of 629).
- Widest gap: net interest margin trails 55% of banks under $1B in assets (rank 344 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.76%
Rank 101 of 629
Net Interest Margin
3.44%
Rank 344 of 629
Efficiency Ratio
42.91%
Rank 34 of 629
Equity / Assets
11.78%
Rank 243 of 629
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 95% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.60% | 1.01% | 1.45% | Beats 84% | 101 / 629 | |
| Return on Equity | 14.98% | 5.38% | 9.30% | 13.28% | Beats 83% | 104 / 629 | |
| Net Interest Margin | 3.44% | 3.03% | 3.54% | 4.05% | Beats 45% | 344 / 629 | |
| Efficiency Ratio | 42.91% | 58.35% | 67.79% | 79.08% | Beats 95% | 34 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.46% | 1.20% | Beats 62% | 220 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 59% | 238 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.14% | 11.24% | 13.84% | 18.77% | Beats 52% | 299 / 629 | |
| Total Risk-Based Capital Ratio | 15.39% | 11.58% | 14.43% | 19.66% | Beats 57% | 273 / 629 | |
| Equity / Assets | 11.78% | 9.09% | 10.65% | 13.80% | Beats 61% | 243 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 99.38% | 67.24% | 80.90% | 93.48% | 85th pctl | 89 / 594 | |
| Loans / Assets | 85.80% | 53.31% | 67.71% | 78.15% | 94th pctl | 36 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |