| Metric | FreedomBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $433.9M | $367.9M | $330.9M | $48.9M | $2.7M | 1.22% | 3.52% | 0.50% |
| Q1 2026 | $439.8M | $375.8M | $328.2M | $47.5M | $1.5M | 1.32% | 3.54% | 0.41% |
| Q4 2025 | $440.8M | $378.0M | $323.9M | $46.3M | $5.2M | 1.18% | 3.22% | 0.39% |
| Q3 2025 | $435.9M | $369.2M | $320.7M | $46.0M | $3.5M | 1.08% | 3.13% | 0.43% |
| Q2 2025 | $435.8M | $373.0M | $311.8M | $45.4M | $2.3M | 1.05% | 3.05% | 0.67% |
| Q1 2025 | $451.0M | $389.9M | $310.9M | $43.3M | $1.1M | 0.99% | 2.99% | 0.69% |
| Q4 2024 | $437.1M | $378.7M | $303.5M | $40.7M | $3.5M | 0.80% | 2.85% | 0.17% |
| Q3 2024 | $427.2M | $365.8M | $301.1M | $43.6M | $2.4M | 0.73% | 2.82% | 0.22% |
Loan mix (Q2 2026): real estate $232.6M · commercial $35.3M · consumer $7.2M · securities $65.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FreedomBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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 | FreedomBank | 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 | FreedomBank | 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 | FreedomBank | 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 | FreedomBank | 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.