BlastPoint's Banking Scorecard
Freedom Bank
Community
Specialty: Commercial
IN
FDIC cert 35221
Huntingburg, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Freedom Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 13% in Community
- + Efficiency Ratio 16.15% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4% in Community
- - Credit Quality Pressure: Bottom 10% in Community
- - Liquidity Strain: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$578.8M
+1.6% YoY
+0.8% QoQ
|
-$812.6M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$496.7M
+2.5% YoY
+2.1% QoQ
|
-$478.8M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$495.6M
+1.2% YoY
-0.4% QoQ
|
-$669.0M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
2.03%
+31.1% YoY
-1.8% QoQ
|
+0.87% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.20%
+19.7% YoY
+2.3% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
46.49%
-8.9% YoY
-0.6% QoQ
|
-16.15% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.19%
+11.0% YoY
-1.7% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
100.21%
+1.3% YoY
+2.5% QoQ
|
+17.15% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.16%
-1.0% YoY
+1.5% QoQ
|
+1.12% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.16%
+12.0% YoY
-0.4% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
13.78%
+1.9% YoY
-0.0% QoQ
|
+3.53% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.48%
+3.1% YoY
+31.0% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#50 of 371 · Top 13% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.03%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.49%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Credit Risk Growth
risk
#26 of 642 · Bottom 4% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#81 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#184 of 513 · Bottom 36% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.21%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.49% · Tier avg: 62.63%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.78% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.16% · Tier avg: 21.05%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
31
31th pctile
Total Loans
Current: $496.7M · Tier avg: $975.5M
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.21% · Tier avg: 83.06%
13
13th pctile
Total Deposits
Current: $495.6M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $578.8M · Tier avg: $1.4B
Top Weaknesses
11
11th pctile
Total Assets
Current: $578.8M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $495.6M · Tier avg: $1.2B
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.21% · Tier avg: 83.06%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
31
31th pctile
Total Loans
Current: $496.7M · Tier avg: $975.5M
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.16% · Tier avg: 21.05%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.78% · Tier avg: 10.24%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
90
90th pctile
Efficiency Ratio
Current: 46.49% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.16%