FREEDOM BANK

COLUMBIA FALLS, MT | Small | Est. April 12, 2005, midnight | FDIC #58010 | RSSD #3314119 | FDIC
Latest Report: 2025-12-31

FREEDOM BANK is asn small FDIC-insured commercial bank headquartered in COLUMBIA FALLS, MT, established in April 12, 2005, midnight. As of 2025-12-31, the bank reported total assets of $144M and total deposits of $125M. Profitability stands at 2.09% ROA and 17.17% ROE, with a net interest margin of 6.33%. The bank's CET1 capital ratio is 12.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.56% and a Texas Ratio of 3.68%. FDIC Certificate #58010.

Assets

$144M

Deposits

$125M

Loans

$132M

Equity

$18M

Profitability

Return on Assets (ROA) 2.09%
Return on Equity (ROE) 17.17%
Net Interest Margin (NIM) 6.33%
Yield on Assets 8.61%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.56%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.68%
NPA Ratio 0.51%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 12.69%
Tier 1 Capital 12.69%
Total Capital Ratio 13.32%
Leverage Ratio 12.38%
Loan-to-Deposit 105.20%

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