| Metric | Freedom Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Deposit growth (YoY) | +4.0% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +2.4% | +5.3% | -2.9 pts |
| ROA | 2.26% | 1.28% | +1.0 pts |
| ROE | 19.4% | 12.4% | +6.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $585.7M | $505.7M | $495.2M | $69.0M | $6.6M | 2.26% | 3.62% | 0.20% |
| Q1 2026 | $583.7M | $504.5M | $495.0M | $68.2M | $3.3M | 2.24% | 3.53% | 0.16% |
| Q4 2025 | $578.8M | $495.6M | $496.7M | $67.0M | $11.6M | 2.03% | 3.20% | 0.16% |
| Q3 2025 | $574.4M | $497.4M | $486.4M | $66.0M | $8.8M | 2.07% | 3.12% | 0.16% |
| Q2 2025 | $563.7M | $486.4M | $483.6M | $64.3M | $6.0M | 2.12% | 3.05% | 0.18% |
| Q1 2025 | $569.1M | $493.2M | $479.4M | $63.0M | $3.0M | 2.08% | 2.95% | 0.15% |
| Q4 2024 | $569.5M | $489.7M | $484.4M | $61.8M | $8.9M | 1.55% | 2.67% | 0.14% |
| Q3 2024 | $560.9M | $485.2M | $472.9M | $61.2M | $5.7M | 1.33% | 2.57% | 0.06% |
Loan mix (Q2 2026): real estate $436.7M · commercial $18.1M · consumer $15.4M · securities $42.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 1.28% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 12.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.9% | 61.2% | 7th |
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.