Freeport, MN · Cert 8210 · Freeport Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
54
Asset Quality
76
Profitability
67
Liquidity
89
Efficiency
60
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.
Freeport, MN · Cert 8210 · Freeport Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 1.9% share · #15 of 32 inst. · $0.1B of $7.9B
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 | 0.87% | 0.77% | 1.00% | 1.04% | 1.06% | 0.97% | 1.03% | 1.11% | +6 bps | |
| Return on Equity | 10.48% | 9.18% | 11.72% | 11.96% | 11.96% | 10.79% | 10.55% | 11.18% | -78 bps | |
| Net Interest Margin | 3.60% | 3.51% | 3.82% | 3.87% | 3.93% | 3.98% | 4.12% | 4.26% | +38 bps | |
| Efficiency Ratio | 68.96% | 72.52% | 65.04% | 64.19% | 64.01% | 68.21% | 66.10% | 64.44% | +25 bps | |
| Non-Interest Burden | 2.43% | 2.50% | 2.44% | 2.44% | 2.48% | 2.68% | 2.70% | 2.70% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 4.20% | 6.48% | 2.95% | 2.08% | 1.52% | -2.87% | -1.62% | -457 bps | |
| Loan Growth (YoY) | 9.05% | 10.33% | 7.59% | 8.00% | 6.13% | 7.08% | 7.60% | 4.51% | -349 bps | |
| Deposit Growth (YoY) | 5.18% | 3.72% | 6.19% | 2.12% | 1.46% | 0.60% | -4.39% | -2.63% | -475 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.84% | 0.84% | 0.86% | 0.83% | 0.84% | 0.85% | 0.86% | 0.85% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 19.3x | 188.2x | n/a | 977.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.36% | 9.37% | 9.57% | 9.85% | 9.99% | 10.38% | 10.69% | +111 bps | |
| Total Risk-Based Capital | 14.92% | 15.25% | 15.20% | 15.30% | 15.52% | 15.90% | 16.24% | 15.83% | +53 bps | |
| Equity / Assets | 8.54% | 8.61% | 8.48% | 9.07% | 9.20% | 9.60% | 9.93% | 10.19% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.84% | 68.46% | 66.27% | 72.02% | 70.97% | 72.87% | 74.57% | 77.30% | +528 bps | |
| Liquid Assets / Assets | 20.88% | 21.56% | 20.43% | 21.50% | 19.81% | 17.69% | 17.41% | 15.47% | -603 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.09% | 68.39% | 61.27% | n/a | n/a | |
Freeport, MN · Cert 8210 · Peer group: banks under $1B in assets (n=581-629) · Freeport Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.12%
Rank 272 of 629
Net Interest Margin
4.26%
Rank 106 of 629
Efficiency Ratio
64.44%
Rank 254 of 629
Equity / Assets
10.19%
Rank 363 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.60% | 1.01% | 1.45% | Beats 57% | 272 / 629 | ||
| Return on Equity | 10.98% | 5.38% | 9.30% | 13.28% | Beats 60% | 249 / 629 | ||
| Net Interest Margin | 4.26% | 3.03% | 3.54% | 4.05% | Beats 83% | 106 / 629 | ||
| Efficiency Ratio | 64.44% | 58.35% | 67.79% | 79.08% | Beats 60% | 254 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 86% | 82 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 202 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.00% | 11.24% | 13.84% | 18.77% | Beats 59% | 255 / 629 | ||
| Total Risk-Based Capital Ratio | 15.83% | 11.58% | 14.43% | 19.66% | Beats 60% | 252 / 629 | ||
| Equity / Assets | 10.19% | 9.09% | 10.65% | 13.80% | Beats 42% | 363 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.30% | 67.24% | 80.90% | 93.48% | 45th pctl | 326 / 594 | ||
| Loans / Assets | 69.12% | 53.31% | 67.71% | 78.15% | 53rd pctl | 293 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||