BlastPoint's Banking Scorecard
Freedom Bank
Micro
Specialty: Commercial
MT
FDIC cert 58010
Designations: ✓ Community bank
Columbia Falls, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Freedom Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.92% above tier
- + Net Interest Margin 2.18% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.7M
+5.2% YoY
-4.1% QoQ
|
-$73.8M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$130.0M
+5.2% YoY
+4.1% QoQ
|
-$9.2M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$125.3M
+4.8% YoY
-5.1% QoQ
|
-$58.4M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
2.00%
+2.1% YoY
+2.3% QoQ
|
+0.92% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
6.03%
-2.3% YoY
+0.8% QoQ
|
+2.18% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
54.91%
-1.7% YoY
+1.0% QoQ
|
-12.82% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.57%
+14.7% YoY
+69.7% QoQ
|
-0.07% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
103.76%
+0.4% YoY
+9.6% QoQ
|
+29.24% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.21%
-14.6% YoY
-14.4% QoQ
|
-1.18% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.51%
+14.6% YoY
+84.2% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-0.1% YoY
+36.5% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.03%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.76%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Net Interest Margin
Current: 6.03% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 54.91% · Tier avg: 67.73%
53
53th pctile
Total Loans
Current: $130.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.21% · Tier avg: 22.39%
43
43th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
38
38th pctile
Total Deposits
Current: $125.3M · Tier avg: $183.7M
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
36
36th pctile
Total Assets
Current: $143.7M · Tier avg: $217.5M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.76% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.76% · Tier avg: 74.53%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
36
36th pctile
Total Assets
Current: $143.7M · Tier avg: $217.5M
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
38
38th pctile
Total Deposits
Current: $125.3M · Tier avg: $183.7M
43
43th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.21% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $130.0M · Tier avg: $139.2M
81
81th pctile
Efficiency Ratio
Current: 54.91% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
98
98th pctile
Net Interest Margin
Current: 6.03% · Tier avg: 3.85%