BlastPoint's Banking Scorecard
Freedom Bank
Columbia Falls, MT
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 23 in MT.
- Deposits +11.7% year over year ($138.8M on the books).
- Delinquency rate 0.55%.
- Return on assets 1.84%.
- Efficiency ratio 56.38% vs a 64.48% peer average.
- Loan-to-deposit ratio 98.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Freedom Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% above tier average
- + ROA 0.52% above tier average
- + Efficiency Ratio 8.10% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 39.6% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.3M
+11.3% YoY
+7.0% QoQ
|
-$229.3M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$136.5M
+10.7% YoY
+5.2% QoQ
|
-$121.8M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$138.8M
+11.7% YoY
+7.5% QoQ
|
-$187.9M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.84%
-8.3% YoY
+2.5% QoQ
|
+0.52% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
5.71%
-5.3% YoY
+2.9% QoQ
|
+1.73% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
Top 2.0% in tier |
| Efficiency Ratio ? |
56.38%
+4.9% YoY
+1.2% QoQ
|
-8.10% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.55%
+64.6% YoY
-7.3% QoQ
|
-0.37% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
98.32%
-0.9% YoY
-2.2% QoQ
|
+20.37% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.62%
+3.5% YoY
+14.8% QoQ
|
+2.59% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.48%
+63.8% YoY
-8.8% QoQ
|
-0.19% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.25%
+4.0% YoY
+1.7% QoQ
|
-3.66% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.10%
-12.3% YoY
+100.5% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.6%
+0.8pp YoY +3.2pp QoQ |
+2.5pp | 22.1% | 26.8% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.2%
-3.3pp YoY -0.9pp QoQ |
+7.6pp | 11.6% | 14.3% | 12.5% | 86% |
| CRE |
55.3%
+7.2pp YoY +3.6pp QoQ |
+15.7pp | 39.5% | 42.8% | 41.4% | 78% |
| 1-4 Family |
25.5%
-0.7pp YoY -2.6pp QoQ |
-7.1pp | 32.6% | 26.0% | 31.3% | 42% |
| Consumer |
0.8%
-1.0pp YoY -0.2pp QoQ |
-3.3pp | 4.1% | 2.7% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
12.2%
+0.5pp YoY +0.2pp QoQ |
+0.1pp | 12.2% | 13.2% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
+1 (+3.7%) YoY +1 (+3.7%) QoQ |
-31 | 58 | 284 | 482 | 24% |
| Assets per Employee ($) |
$5.6M
+7.3% YoY +3.1% QoQ |
-$1.9M | $7.5M | $8.1M | $8.8M | 25% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 1.1% | 1.0% | 55% |
| Allowance Coverage |
2.41x
-42.7% YoY +2.5% QoQ |
-21.74x | 24.15x | 3.69x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-1.5pp YoY +0.7pp QoQ |
+3.2pp | 12.2% | 14.2% | 11.6% | 70% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.5% | 1.7% | 72% |
| Net Income ($, YTD) |
$1.4M
-1.6% YoY — QoQ |
-$1.2M | $2.6M | $14.9M | $40.4M | 38% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.