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
Unfavorable gap of $4.5M · efficiency ratio beats 79% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.60% | 1.01% | 1.45% | Beats 83% | 104 / 629 | | |
| Return on Equity | 15.21% | 5.38% | 9.30% | 13.28% | Beats 84% | 100 / 629 | | |
| Net Interest Margin | 5.56% | 3.03% | 3.54% | 4.05% | Beats 98% | 11 / 629 | | |
| Efficiency Ratio | 56.38% | 58.35% | 67.79% | 79.08% | Beats 79% | 134 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.46% | 1.20% | Beats 46% | 317 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.25% | 11.24% | 13.84% | 18.77% | Beats 35% | 406 / 629 | | |
| Total Risk-Based Capital Ratio | 12.25% | 11.58% | 14.43% | 19.66% | Beats 31% | 437 / 629 | | |
| Equity / Assets | 11.51% | 9.09% | 10.65% | 13.80% | Beats 59% | 258 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.63% | 67.24% | 80.90% | 93.48% | 86th pctl | 86 / 594 | | |
| Loans / Assets | 87.95% | 53.31% | 67.71% | 78.15% | 97th pctl | 19 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |