BlastPoint's Banking Scorecard
Freedom Financial Bank
Micro
Specialty: Commercial
IA
FDIC cert 35031
Designations: ✓ Community bank
West Des Moines, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Freedom Financial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.54% above tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$273.8M
+4.4% YoY
+2.4% QoQ
|
+$56.3M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$230.4M
+7.8% YoY
+4.5% QoQ
|
+$91.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$202.0M
+2.2% YoY
+2.0% QoQ
|
+$18.4M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.24%
-9.8% YoY
-6.1% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.19%
+1.4% YoY
+2.9% QoQ
|
-0.67% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
50.28%
-1.4% YoY
-3.3% QoQ
|
-17.45% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
114.07%
+5.5% YoY
+2.5% QoQ
|
+39.54% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.24%
+2.2% YoY
+2.2% QoQ
|
-10.15% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
10.00%
-1.1% YoY
-3.0% QoQ
|
+1.15% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.05%
-9.5% YoY
+31.5% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
114.07%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Efficiency Ratio
Current: 50.28% · Tier avg: 67.73%
81
81th pctile
Total Loans
Current: $230.4M · Tier avg: $139.2M
67
67th pctile
Total Assets
Current: $273.8M · Tier avg: $217.5M
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
60
60th pctile
Total Deposits
Current: $202.0M · Tier avg: $183.7M
52
52th pctile
Tier 1 Capital Ratio
Current: 10.00% · Tier avg: 8.85%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.24% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.07% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.07% · Tier avg: 74.53%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.24% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.00% · Tier avg: 8.85%
60
60th pctile
Total Deposits
Current: $202.0M · Tier avg: $183.7M
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
67
67th pctile
Total Assets
Current: $273.8M · Tier avg: $217.5M
81
81th pctile
Total Loans
Current: $230.4M · Tier avg: $139.2M
90
90th pctile
Efficiency Ratio
Current: 50.28% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%