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Freedom Bank

Columbia Falls, MT · Cert 58010 · Freedom Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Freedom Bank

Columbia Falls, MT · Cert 58010 · Freedom Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$157.3MAssets
$138.3MLoans
$138.8MDeposits
$18.1MEquity
Loan mix
79%RE $104.2M20%C&I $26.1M1%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $104.7M25%Noninterest $34.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.84%, down 17 bps year over year; NIM at 5.56%.
  • Asset quality: problem loans at 0.54% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.25%, up 47 bps from a year ago.
  • Funding: loans stand at 99.63% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.84%-17 bps YoY

Net Interest Margin (YTD, annualized)

5.56%-13 bps YoY

Efficiency Ratio (YTD, annualized)

56.38%+264 bps YoY

Tier 1 Leverage Ratio

12.25%+47 bps YoY

NIM

8.05%Q2 ’247.87%Q2 ’257.52%Q2 ’26-4%-2%

Non-interest income vs. expense

3.48%Q2 ’243.18%Q2 ’253.26%Q2 ’26-9%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.96%1.86%2.01%1.96%2.00%1.80%1.84%-17 bps
Return on Equity16.15%16.42%15.66%16.91%16.54%16.68%14.70%15.38%-153 bps
Net Interest Margin5.80%5.73%5.60%5.69%5.65%5.63%5.40%5.56%-13 bps
Efficiency Ratio55.99%55.89%56.17%53.74%54.38%54.91%55.73%56.38%+264 bps
Non-Interest Burden3.14%3.10%3.05%2.95%2.97%2.99%2.92%3.04%+9 bps
Growth
Asset Growth (YoY)-5.45%4.27%12.03%9.36%11.46%5.18%5.17%11.25%+189 bps
Loan Growth (YoY)5.67%14.76%14.79%9.69%7.90%5.20%4.51%10.64%+95 bps
Deposit Growth (YoY)-7.34%3.11%9.92%9.51%11.91%4.79%7.34%11.73%+221 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.49%0.46%0.33%0.33%0.56%0.59%0.54%+21 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.39%1.34%1.34%1.39%1.37%1.37%1.37%1.31%-8 bps
Allowance Coverage of NPLs2.6x2.7x2.9x4.2x4.1x2.4x2.3x2.4x-1.8x
Capital
Tier 1 Leverage Ratio12.27%12.42%11.65%11.78%12.03%12.38%12.05%12.25%+47 bps
Total Risk-Based Capital12.27%12.42%11.65%11.78%12.03%12.38%12.05%12.25%+47 bps
Equity / Assets12.02%12.36%11.46%11.87%11.65%12.69%11.82%11.51%-36 bps
Liquidity & Funding
Loans / Deposits99.54%104.79%104.65%100.60%95.97%105.20%101.89%99.63%-98 bps
Liquid Assets / Assets10.56%5.99%7.88%9.05%13.47%6.32%7.93%8.92%-13 bps
CRE / Total Capitaln/an/an/an/a373%358%386%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Freedom Bank

Columbia Falls, MT · Cert 58010 · Peer group: banks under $1B in assets (n=581-629) · Freedom Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$157.3MAssets
$138.3MLoans
$138.8MDeposits
$18.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets (rank 437 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.75%

Rank 104 of 629

Net Interest Margin

5.56%

Rank 11 of 629

Efficiency Ratio

56.38%

Rank 134 of 629

Equity / Assets

11.51%

Rank 258 of 629

Non-interest income vs. expense

$0.3M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 79% of banks under $1B in assets
Bank 56.38%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.75%0.60%1.01%1.45%Beats 83%104 / 629
Return on Equity15.21%5.38%9.30%13.28%Beats 84%100 / 629
Net Interest Margin5.56%3.03%3.54%4.05%Beats 98%11 / 629
Efficiency Ratio56.38%58.35%67.79%79.08%Beats 79%134 / 629
Asset Quality
Nonperforming Loans / Loans0.54%0.09%0.46%1.20%Beats 46%317 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.25%11.24%13.84%18.77%Beats 35%406 / 629
Total Risk-Based Capital Ratio12.25%11.58%14.43%19.66%Beats 31%437 / 629
Equity / Assets11.51%9.09%10.65%13.80%Beats 59%258 / 629
Liquidity & Funding
Loans / Deposits99.63%67.24%80.90%93.48%86th pctl86 / 594
Loans / Assets87.95%53.31%67.71%78.15%97th pctl19 / 629
Brokered Deposits / Depositsn/aNot reported for this institution