BlastPoint's Banking Scorecard

Freedom Financial Bank

$100M-$1B Specialty: Commercial IA FDIC cert 35031

West Des Moines, IA

2 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 +3.9% year over year ($206.4M on the books).
Delinquency rate 0.00%.
Return on assets 1.33%.
Efficiency ratio 52.38% vs a 64.48% peer average.
Loan-to-deposit ratio 107.75% 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) →

Freedom Financial Bank has 3 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

+ Credit Quality Leader: Top 44.3% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 12.10% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 22.5% in tier
- Loan-to-Deposit Ratio 29.80% above tier average
- Non-Interest Income / Assets 0.54% below tier average
- Net Interest Margin 0.91% below tier average

Get updates when Freedom Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$269.3M +1.2% YoY -0.2% QoQ	-$117.3M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$222.4M +1.3% YoY -2.1% QoQ	-$35.9M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$206.4M +3.9% YoY +3.3% QoQ	-$120.3M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	1.33% +5.8% YoY +8.4% QoQ	+0.01%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	3.08% +0.7% YoY +2.0% QoQ	-0.91%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Bottom 11.8% in tier
Efficiency Ratio ?	52.38% -1.2% YoY -4.1% QoQ	-12.10%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	107.75% -2.5% YoY -5.2% QoQ	+29.80%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ?	13.96% +13.7% YoY +9.5% QoQ	-8.07%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.36% +1.0% YoY +1.4% QoQ	-5.54%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.02% -2.7% YoY +110.0% QoQ	-0.54%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Bottom 2.0% 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	14.0% +1.7pp YoY +1.2pp QoQ	-8.2pp	22.1%	17.8%	22.2%	20%
Brokered Deposits	15.6% -4.7pp YoY +2.3pp QoQ	+7.8pp	7.9%	6.0%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	14.0% +2.7pp YoY +0.1pp QoQ	+2.5pp	11.6%	12.8%	12.5%	72%
CRE	72.4% 0.0pp YoY -0.9pp QoQ	+32.8pp	39.5%	28.3%	41.4%	94%
1-4 Family	6.7% -0.1pp YoY +0.1pp QoQ	-25.9pp	32.6%	23.0%	31.3%	7%
Consumer	0.0% -0.1pp YoY 0.0pp QoQ	-4.1pp	4.1%	2.9%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.4% +0.1pp YoY +0.1pp QoQ	-8.5pp	18.8%	15.4%	19.7%	4%
Leverage Ratio	9.3% -0.1pp YoY +0.1pp QoQ	-2.9pp	12.2%	12.4%	12.6%	17%
Total Capital Ratio	11.6% +0.2pp YoY +0.1pp QoQ	-8.3pp	19.9%	16.5%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	18 0 YoY 0 QoQ	-41	58	64	482	8%
Assets per Employee ($)	$15.0M +1.2% YoY -0.2% QoQ	+$7.4M	$7.5M	$8.9M	$8.8M	97%
Branch Count	2 0 YoY 0 QoQ	-3	4	5	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.97x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	14.5% +0.8pp YoY +1.1pp QoQ	+2.3pp	12.2%	12.8%	11.6%	65%
Cost of Funds (YTD)	2.5% 0.0pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$1.8M +8.1% YoY — QoQ	-$748K	$2.6M	$4.0M	$40.4M	48%

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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 (1)

Credit Quality Leader

growth

#293 of 659 • Top 44.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#150 of 661 • Bottom 22.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.36%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

569

Efficiency Ratio

profitability

Value: 52.38%

Peer Median: 64.48%

#569 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (5 metrics)

2590

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2590 of 2643 Bottom 2.0% in $100M-$1B

2530

Loan-to-Deposit Ratio

liquidity

Value: 107.75%

Peer Median: 77.95%

#2530 of 2643 Bottom 4.3% in $100M-$1B

2331

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.99%

#2331 of 2643 Bottom 11.8% in $100M-$1B

2244

Tier 1 Capital Ratio

capital

Value: 10.36%

Peer Median: 15.91%

#2244 of 2643 Bottom 15.1% in $100M-$1B

2097

Non-Interest-Bearing Deposit Share

funding

Value: 13.96%

Peer Median: 22.03%

#2097 of 2643 Bottom 20.7% in $100M-$1B