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FreedomBank

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

Elkader, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

FreedomBank has 2 strengths but faces 3 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 6.72% below tier average
  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 27.8% in tier
  • - Deposit Outflow: Bottom 28.7% in tier
  • - Net Interest Margin 0.39% below tier average
Get updates when FreedomBank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $439.8M
-2.5% YoY -0.2% QoQ
+$53.7M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
66%
Total Loans ? $328.2M
+5.6% YoY +1.3% QoQ
+$72.5M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
72%
Total Deposits ? $375.8M
-3.6% YoY -0.6% QoQ
+$47.8M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
67%
Return on Assets ? 1.32%
+33.3% YoY +11.7% QoQ
+0.05% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
57%
Net Interest Margin ? 3.54%
+18.3% YoY +10.1% QoQ
-0.39% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
32%
Efficiency Ratio ? 58.56%
-10.7% YoY -4.8% QoQ
-6.72% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
64%
Delinquency Rate ? 0.53%
-43.5% YoY +5.2% QoQ
-0.36% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
44%
Loan-to-Deposit Ratio ? 87.34%
+9.5% YoY +2.0% QoQ
+10.70% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
30%
Non-Interest-Bearing Deposit Share ? 22.45%
-2.9% YoY -9.0% QoQ
+0.43% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
56%
Nonperforming Asset Ratio ? 0.41%
-40.7% YoY +6.5% QoQ
-0.23% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
43%
Tier 1 Capital Ratio ? 14.03%
+40.4% YoY +5.7% QoQ
-1.80% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.06%
-6.2% YoY -76.4% QoQ
-0.22% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
29%

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)

Capital Constraint

risk
#31 of 108 • Bottom 27.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 87.34%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 14.03%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ

Deposit Outflow

decline
#146 of 506 • Bottom 28.7% in tier

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

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available
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