BlastPoint's Banking Scorecard

Freedom Financial Bank

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

West Des Moines, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Freedom Financial Bank has 3 strengths but faces 5 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 47.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 10.65% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 16.1% in tier
- Deposit Outflow: Bottom 45.1% in tier
- Loan-to-Deposit Ratio 37.04% above tier average
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.92% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$269.7M +1.0% YoY -1.5% QoQ	-$116.4M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$227.2M +5.0% YoY -1.4% QoQ	-$28.5M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$199.8M -2.2% YoY -1.1% QoQ	-$128.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	1.23% +6.6% YoY -0.5% QoQ	-0.04%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.01% +0.3% YoY -5.4% QoQ	-0.92%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 12.0% in tier
Efficiency Ratio ?	54.64% -1.1% YoY +8.7% QoQ	-10.65%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	113.68% +7.3% YoY -0.3% QoQ	+37.04%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 1.8% in tier
Non-Interest-Bearing Deposit Share ?	12.75% -3.5% YoY +4.2% QoQ	-9.27%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.22% -1.1% YoY +2.2% QoQ	-5.61%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 12.3% in tier
Non-Interest Income / Assets ?	0.01% -4.1% YoY -76.9% QoQ	-0.27%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 2.0% in tier

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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

#313 of 664 • Top 47.0% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#108 of 666 • Bottom 16.1% 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: 10.22%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#229 of 506 • Bottom 45.1% 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).

Compare against:

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

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2616

Loan-to-Deposit Ratio

liquidity

Value: 113.68%

Peer Median: 76.64%

#2616 of 2664 Bottom 1.8% in $100M-$1B

2611

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2611 of 2664 Bottom 2.0% in $100M-$1B

2346

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.93%

#2346 of 2664 Bottom 12.0% in $100M-$1B

2337

Tier 1 Capital Ratio

capital

Value: 10.22%

Peer Median: 15.83%

#2337 of 2664 Bottom 12.3% in $100M-$1B

2215

Non-Interest-Bearing Deposit Share

funding

Value: 12.75%

Peer Median: 22.02%

#2215 of 2664 Bottom 16.9% in $100M-$1B