BlastPoint's Banking Scorecard

FreedomBank

Micro Specialty: Agricultural IA FDIC cert 11767

Designations: ✓ Community bank

Elkader, IA

2498 banks in Micro tier nationally 167 in IA

View Micro leaderboard (IA) →

FreedomBank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$440.8M +0.8% YoY +1.1% QoQ	+$223.3M	$217.5M +2.3% YoY	$554.4M +4.9% YoY	$5.9B +6.5% YoY	Top 7% in tier
Total Loans ?	$323.9M +6.7% YoY +1.0% QoQ	+$184.7M	$139.2M +2.8% YoY	$379.4M +5.5% YoY	$3.1B +8.5% YoY	Top 5% in tier
Total Deposits ?	$378.0M -0.2% YoY +2.4% QoQ	+$194.4M	$183.7M +1.8% YoY	$463.0M +4.7% YoY	$4.7B +6.3% YoY	Top 6% in tier
Return on Assets ?	1.18% +48.1% YoY +9.8% QoQ	+0.10%	1.08% +14.7% YoY	1.18% +29.0% YoY	1.12% +15.6% YoY	58%
Net Interest Margin ?	3.22% +12.9% YoY +2.7% QoQ	-0.64%	3.85% +6.6% YoY	3.37% +11.5% YoY	3.75% +7.1% YoY	23%
Efficiency Ratio ?	61.51% -12.4% YoY -4.8% QoQ	-6.21%	67.73% -4.8% YoY	59.86% -8.6% YoY	65.09% -5.1% YoY	63%
Delinquency Rate ?	0.50% +589.5% YoY -2.3% QoQ	-0.14%	0.64% +24.4% YoY	0.57% +48.1% YoY	0.66% +20.3% YoY	45%
Loan-to-Deposit Ratio ?	85.67% +6.9% YoY -1.4% QoQ	+11.14%	74.53% +0.5% YoY	79.50% +1.5% YoY	78.04% +0.7% YoY	31%
Non-Interest-Bearing Deposit Share ?	24.66% +0.9% YoY +4.4% QoQ	+2.27%	22.39% -1.3% YoY	18.11% -1.9% YoY	21.79% -1.3% YoY	62%
Nonperforming Asset Ratio ?	0.39% +134.3% YoY -10.0% QoQ	-0.07%	0.45% +25.1% YoY	0.44% +46.5% YoY	0.48% +20.8% YoY	44%
Tier 1 Capital Ratio ?	13.28% -2.7% YoY -1.8% QoQ	+4.42%	8.85% -3.4% YoY	8.07% -1.4% YoY	9.75% -1.9% YoY	65%
Non-Interest Income / Assets ?	0.27% -3.4% YoY +30.2% QoQ	-0.29%	0.56% +0.3% YoY	0.46% +1.9% YoY	0.65% +0.6% YoY	35%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Loans

Current: $323.9M · Tier avg: $139.2M

95th pctile

Total Deposits

Current: $378.0M · Tier avg: $183.7M

94th pctile

Total Assets

Current: $440.8M · Tier avg: $217.5M

93th pctile

Tier 1 Capital Ratio

Current: 13.28% · Tier avg: 8.85%

65th pctile

Efficiency Ratio

Current: 61.51% · Tier avg: 67.73%

63th pctile

Non-Interest-Bearing Deposit Share

Current: 24.66% · Tier avg: 22.39%

62th pctile

Return on Assets

Current: 1.18% · Tier avg: 1.08%

58th pctile

Delinquency Rate

Current: 0.50% · Tier avg: 0.64%

45th pctile

Nonperforming Asset Ratio

Current: 0.39% · Tier avg: 0.45%

44th pctile

Non-Interest Income / Assets

Current: 0.27% · Tier avg: 0.56%

35th pctile

Loan-to-Deposit Ratio

Current: 85.67% · Tier avg: 74.53%

31th pctile

Net Interest Margin

Current: 3.22% · Tier avg: 3.85%

23th pctile

Top Weaknesses