| Metric | Freedom Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +108.7% | +4.4% | +104.3 pts |
| Deposit growth (YoY) | +106.2% | +4.0% | +102.3 pts |
| Loan growth (YoY) | +149.4% | +5.6% | +143.8 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 13.8% | 11.9% | +2.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $429.7M | $380.4M | $310.0M | $46.2M | $3.1M | 1.48% | 4.75% | 0.27% |
| Q1 2026 | $420.3M | $371.9M | $296.0M | $45.1M | $1.4M | 1.31% | 4.70% | 0.28% |
| Q4 2025 | $422.3M | $374.5M | $293.3M | $44.3M | $5.1M | 2.03% | 4.37% | 0.25% |
| Q3 2025 | $207.4M | $184.6M | $121.4M | $20.3M | $1.6M | 1.04% | 4.01% | 0.33% |
| Q2 2025 | $205.9M | $184.5M | $124.3M | $18.7M | $1.1M | 1.04% | 3.99% | 0.37% |
| Q1 2025 | $208.7M | $187.4M | $128.3M | $18.8M | $516K | 1.00% | 3.86% | 0.70% |
| Q4 2024 | $202.4M | $182.0M | $130.0M | $18.0M | $2.0M | 0.98% | 3.89% | 0.46% |
| Q3 2024 | $210.4M | $183.5M | $131.3M | $18.5M | $1.4M | 0.91% | 3.77% | 0.81% |
Loan mix (Q2 2026): real estate $272.2M · commercial $20.3M · consumer $11.4M · securities $76.5M
| Ratio | Freedom Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 62.9% | 39th |
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, Inc. | 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, Inc. | 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, Inc. | 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, Inc. | 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.