Columbia Falls, MT · Cert 58010 · Freedom Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.91% | 1.96% | 1.86% | 2.01% | 1.96% | 2.00% | 1.80% | 1.84% | -17 bps | |
| Return on Equity | 16.15% | 16.42% | 15.66% | 16.91% | 16.54% | 16.68% | 14.70% | 15.38% | -153 bps | |
| Net Interest Margin | 5.80% | 5.73% | 5.60% | 5.69% | 5.65% | 5.63% | 5.40% | 5.56% | -13 bps | |
| Efficiency Ratio | 55.99% | 55.89% | 56.17% | 53.74% | 54.38% | 54.91% | 55.73% | 56.38% | +264 bps | |
| Non-Interest Burden | 3.14% | 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 / Loans | 0.53% | 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 / Loans | 1.39% | 1.34% | 1.34% | 1.39% | 1.37% | 1.37% | 1.37% | 1.31% | -8 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.9x | 4.2x | 4.1x | 2.4x | 2.3x | 2.4x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.27% | 12.42% | 11.65% | 11.78% | 12.03% | 12.38% | 12.05% | 12.25% | +47 bps | |
| Total Risk-Based Capital | 12.27% | 12.42% | 11.65% | 11.78% | 12.03% | 12.38% | 12.05% | 12.25% | +47 bps | |
| Equity / Assets | 12.02% | 12.36% | 11.46% | 11.87% | 11.65% | 12.69% | 11.82% | 11.51% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.54% | 104.79% | 104.65% | 100.60% | 95.97% | 105.20% | 101.89% | 99.63% | -98 bps | |
| Liquid Assets / Assets | 10.56% | 5.99% | 7.88% | 9.05% | 13.47% | 6.32% | 7.93% | 8.92% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 358% | 386% | n/a | n/a | |