BlastPoint's Banking Scorecard

Freedom Bank

$100M-$1B Specialty: Commercial IN FDIC cert 35221

Huntingburg, IN

4 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Freedom Bank has 3 strengths but faces 2 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

+ Profitability Leader: Top 43.1% in tier
+ Efficiency Ratio 21.40% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 36.2% in tier
- Net Interest Margin 0.40% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$583.7M +2.6% YoY +0.8% QoQ	+$197.6M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$495.0M +3.2% YoY -0.3% QoQ	+$239.2M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 11.4% in tier
Total Deposits ?	$504.5M +2.3% YoY +1.8% QoQ	+$176.5M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	2.24% +8.1% YoY +10.3% QoQ	+0.97%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Top 8.0% in tier
Net Interest Margin ?	3.53% +19.5% YoY +10.4% QoQ	-0.40%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	43.89% -9.1% YoY -5.6% QoQ	-21.40%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Top 7.7% in tier
Delinquency Rate ?	0.18% -0.2% YoY -4.2% QoQ	-0.71%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	98.11% +0.9% YoY -2.1% QoQ	+21.47%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 10.8% in tier
Non-Interest-Bearing Deposit Share ?	22.76% +0.7% YoY +2.7% QoQ	+0.74%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.16% +4.2% YoY -1.8% QoQ	-0.48%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	13.77% +0.9% YoY -0.0% QoQ	-2.06%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.10% -10.5% YoY -78.2% QoQ	-0.18%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	54%

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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)

Profitability Leader

growth

#288 of 666 • Top 43.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.24%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#234 of 643 • Bottom 36.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.11%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (5 metrics)

207

Efficiency Ratio

profitability

Value: 43.89%

Peer Median: 65.29%

#207 of 2664 Top 7.7% in $100M-$1B

215

Return on Assets

profitability

Value: 2.24%

Peer Median: 1.27%

#215 of 2664 Top 8.0% in $100M-$1B

306

Total Loans

size

Value: $494.96M

Peer Median: $255.72M

#306 of 2664 Top 11.4% in $100M-$1B

530

Total Deposits

size

Value: $504.48M

Peer Median: $327.97M

#530 of 2664 Top 19.9% in $100M-$1B

552

Total Assets

size

Value: $583.71M

Peer Median: $386.08M

#552 of 2664 Top 20.7% in $100M-$1B

Top Weaknesses (1 metrics)

2377

Loan-to-Deposit Ratio

liquidity

Value: 98.11%

Peer Median: 76.64%

#2377 of 2664 Bottom 10.8% in $100M-$1B