| Metric | Freedom Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.4% | +6.9 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.8 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.2 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $157.3M | $138.8M | $136.5M | $18.1M | $1.4M | 1.84% | 5.71% | 0.48% |
| Q1 2026 | $147.0M | $129.2M | $129.8M | $17.4M | $654K | 1.80% | 5.55% | 0.52% |
| Q4 2025 | $143.7M | $125.3M | $130.0M | $18.2M | $2.8M | 2.00% | 6.03% | 0.51% |
| Q3 2025 | $149.9M | $132.0M | $125.0M | $17.5M | $2.1M | 1.96% | 5.99% | 0.28% |
| Q2 2025 | $141.4M | $124.3M | $123.3M | $16.8M | $1.4M | 2.01% | 6.03% | 0.29% |
| Q1 2025 | $139.8M | $120.3M | $124.2M | $16.0M | $644K | 1.86% | 5.76% | 0.42% |
| Q4 2024 | $136.6M | $119.6M | $123.6M | $16.9M | $2.6M | 1.96% | 6.17% | 0.45% |
| Q3 2024 | $134.5M | $118.0M | $115.8M | $16.2M | $1.9M | 1.91% | 6.12% | 0.46% |
Loan mix (Q2 2026): real estate $110.8M · commercial $26.2M · consumer $1.2M · securities $0
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.