| Metric | Freedom Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.9% | +3.6 pts |
| Deposit growth (YoY) | +9.1% | +4.3% | +4.7 pts |
| Loan growth (YoY) | +8.3% | +5.3% | +2.9 pts |
| ROA | 0.89% | 1.28% | -0.4 pts |
| ROE | 9.1% | 12.4% | -3.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $838.3M | $711.5M | $733.0M | $82.8M | $3.7M | 0.89% | 3.15% | 0.25% |
| Q1 2026 | $856.1M | $730.0M | $727.6M | $81.0M | $1.6M | 0.79% | 3.05% | 0.23% |
| Q4 2025 | $812.5M | $707.0M | $716.3M | $79.5M | $5.2M | 0.66% | 2.91% | 0.24% |
| Q3 2025 | $814.0M | $671.5M | $701.1M | $78.5M | $3.9M | 0.66% | 2.82% | 0.24% |
| Q2 2025 | $772.8M | $652.4M | $677.0M | $77.2M | $2.4M | 0.61% | 2.75% | 0.34% |
| Q1 2025 | $774.8M | $655.0M | $670.7M | $76.0M | $1.0M | 0.53% | 2.62% | 0.26% |
| Q4 2024 | $768.7M | $644.8M | $663.0M | $76.4M | $3.9M | 0.52% | 2.58% | 0.26% |
| Q3 2024 | $762.3M | $638.8M | $665.9M | $75.3M | $2.6M | 0.46% | 2.55% | 0.27% |
Loan mix (Q2 2026): real estate $731.9M · commercial $3.4M · consumer $17K · securities $45.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 12.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 61.2% | 56th |
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.