| Metric | Freedom Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.3M | $206.4M | $222.4M | $25.0M | $1.8M | 1.33% | 3.08% | 0.00% |
| Q1 2026 | $269.7M | $199.8M | $227.2M | $25.1M | $836K | 1.23% | 3.01% | 0.00% |
| Q4 2025 | $273.8M | $202.0M | $230.4M | $24.8M | $3.3M | 1.24% | 3.19% | 0.00% |
| Q3 2025 | $267.4M | $198.1M | $220.5M | $24.7M | $2.6M | 1.32% | 3.10% | 0.00% |
| Q2 2025 | $266.1M | $198.6M | $219.5M | $24.7M | $1.7M | 1.26% | 3.05% | 0.00% |
| Q1 2025 | $267.0M | $204.3M | $216.4M | $24.8M | $764K | 1.15% | 3.01% | 0.00% |
| Q4 2024 | $262.3M | $197.6M | $213.7M | $24.0M | $3.7M | 1.37% | 3.14% | 0.00% |
| Q3 2024 | $257.8M | $196.5M | $208.5M | $23.9M | $2.7M | 1.37% | 3.12% | 0.00% |
Loan mix (Q2 2026): real estate $179.5M · commercial $31.2M · consumer $50K · securities $14.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Freedom Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21th |
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 Financial 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 Financial 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 Financial 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 Financial 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.