FREEDOM BANK
FREEDOM BANK is an FDIC-insured commercial bank headquartered in COLUMBIA FALLS, MT, established in 2005. As of , 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 5.91%. CET1 capital ratio: 12.69%, well above regulatory minimums. NPL ratio: 0.56% · Texas Ratio: 3.68%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Freedom Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.69% | 2.09% | 0.56% | 3.68% | 5.91% |
| 2025-09-30 | 11.65% | 1.87% | 0.31% | 2.08% | 5.91% |
| 2025-06-30 | 11.87% | 2.15% | 0.33% | 2.23% | 6.10% |
| 2025-03-31 | 11.46% | 1.86% | 0.46% | 3.30% | 5.72% |
| 2024-12-31 | 12.36% | 2.10% | 0.49% | 3.30% | 6.20% |
| 2024-09-30 | 12.02% | 1.99% | 0.53% | 3.49% | 6.26% |
| 2024-06-30 | 12.00% | 1.90% | 0.56% | 3.76% | 6.15% |
| 2024-03-31 | 11.95% | 1.89% | 0.60% | 4.00% | 5.96% |
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Frequently asked about FREEDOM BANK
What are Freedom Bank's total assets?
As of the Q4 2025 filing, Freedom Bank reported total assets of $143.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Freedom Bank headquartered?
Freedom Bank is headquartered in COLUMBIA FALLS, MT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Freedom Bank founded?
Freedom Bank was established in 2005, per the FDIC institution directory.
Is Freedom Bank FDIC-insured?
Yes. Freedom Bank is an FDIC-insured commercial bank (FDIC Certificate #58010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Freedom Bank?
Freedom Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Freedom Bank's CET1 capital ratio?
Freedom Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.69% in its most recent quarterly filing — above regulatory minimums.
How many branches does Freedom Bank operate?
Freedom Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Freedom Bank's Texas Ratio?
Freedom Bank's Texas Ratio is 3.68% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.