BlastPoint's Banking Scorecard

FreedomBank

$100M-$1B Specialty: Agricultural IA FDIC cert 11767

Elkader, IA

4 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits -1.3% year over year ($367.9M on the books).
Delinquency rate 0.26%.
Return on assets 1.22%.
Efficiency ratio 60.94% vs a 64.48% peer average.
Loan-to-deposit ratio 89.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

FreedomBank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.54% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 43.3% in tier
- Deposit Outflow: Bottom 43.4% in tier
- ROA 0.11% below tier average
- Net Interest Margin 0.46% below tier average

Get updates when FreedomBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$433.9M -0.4% YoY -1.4% QoQ	+$47.3M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$330.9M +6.1% YoY +0.8% QoQ	+$72.6M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$367.9M -1.3% YoY -2.1% QoQ	+$41.2M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	1.22% +16.0% YoY -7.8% QoQ	-0.11%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	3.52% +15.7% YoY -0.5% QoQ	-0.46%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	60.94% -7.0% YoY +4.1% QoQ	-3.54%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	0.26% -70.3% YoY -50.4% QoQ	-0.66%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	89.93% +7.6% YoY +3.0% QoQ	+11.98%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	22.72% -3.2% YoY +1.2% QoQ	+0.69%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.50% -24.2% YoY +22.3% QoQ	-0.16%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	14.15% +6.0% YoY +0.8% QoQ	-1.76%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.07% -49.2% YoY +12.6% QoQ	-0.49%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Bottom 10.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Noninterest-Bearing	22.7% -0.7pp YoY +0.3pp QoQ	+0.6pp	22.1%	17.8%	22.2%	58%
Brokered Deposits	0.3% 0.0pp YoY 0.0pp QoQ	-7.6pp	7.9%	6.0%	8.5%	9%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.7% -2.3pp YoY -2.0pp QoQ	-0.9pp	11.6%	12.8%	12.5%	56%
CRE	20.0% +1.3pp YoY +1.4pp QoQ	-19.6pp	39.5%	28.3%	41.4%	18%
1-4 Family	22.2% +2.7pp YoY +1.3pp QoQ	-10.4pp	32.6%	23.0%	31.3%	35%
Consumer	2.2% -0.3pp YoY 0.0pp QoQ	-1.9pp	4.1%	2.9%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	14.2% +0.8pp YoY +0.1pp QoQ	-4.7pp	18.8%	15.4%	19.7%	41%
Leverage Ratio	10.7% +0.6pp YoY +0.4pp QoQ	-1.5pp	12.2%	12.4%	12.6%	45%
Total Capital Ratio	15.3% +0.9pp YoY +0.1pp QoQ	-4.6pp	19.9%	16.5%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	52 -4 (-7.1%) YoY -2 (-3.7%) QoQ	-7	58	64	482	56%
Assets per Employee ($)	$8.3M +7.2% YoY +2.4% QoQ	+$826K	$7.5M	$8.9M	$8.8M	72%
Branch Count	4 0 YoY 0 QoQ	-1	4	5	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.1pp YoY +0.2pp QoQ	-0.1pp	0.3%	0.4%	0.4%	69%
Nonaccrual	0.0% -0.5pp YoY -0.5pp QoQ	-0.9pp	0.9%	1.0%	1.0%	8%
Allowance Coverage	4.29x +238.5% YoY +102.7% QoQ	-19.86x	24.15x	18.97x	20.23x	67%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	11.2% +0.5pp YoY -1.2pp QoQ	-1.0pp	12.2%	12.8%	11.6%	44%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	61%
Net Income ($, YTD)	$2.7M +15.2% YoY — QoQ	+$109K	$2.6M	$4.0M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#230 of 529 • Bottom 43.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.22%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#233 of 535 • Bottom 43.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2367

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2367 of 2643 Bottom 10.5% in $100M-$1B