Freeport State Bank
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
$165.5MAssets
$114.4MLoans
$147.9MDeposits
$16.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of banks under $1B in assets (rank 82 of 581).
- Widest gap: equity / assets trails 58% of banks under $1B in assets (rank 363 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 60% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |