Freedom Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freedom Bank of Huntingburg, IN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.26% | 1.35% | +0.91% | 91st top |
| ROAE | 19.38% | 12.05% | +7.33% | 85th top |
| Net Interest Margin | 3.56% | 3.90% | -0.34% | 30th below |
| Efficiency Ratio | 41.96% | 63.16% | -21.20% | 93rd top |
| PPNR / Avg Assets | 2.30% | 1.64% | +0.66% | 84th top |
| Yield on Earning Assets | 5.38% | 5.65% | -0.27% | 39th below |
| Cost of Funds | 2.05% | 1.85% | +0.20% | 34th below |
| Net Interest Spread | 2.74% | 3.35% | -0.61% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.92% | -0.73% | 65th above |
| NPA / Total Assets | 0.17% | 0.67% | -0.50% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 765.14% | 1645.51% | -880.37% | 79th top |
| Texas Ratio | 1.57% | 7.15% | -5.58% | 67th above |
| Provision / NCO | -753.33% | 1190.38% | -1943.71% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.14% | 20.83% | -6.69% | 40th below |
| Tier 1 Ratio | 14.14% | 20.87% | -6.73% | 40th below |
| Total Capital Ratio | 15.39% | 21.94% | -6.55% | 41st below |
| Leverage Ratio | 12.62% | 12.46% | +0.16% | 72nd above |
| Equity / Assets | 11.78% | 11.67% | +0.11% | 69th above |
| TCE / Tangible Assets | 11.78% | 11.40% | +0.38% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.38% | 78.64% | +20.74% | 12th bottom |
| Core Deposit Ratio | 89.04% | 87.09% | +1.95% | 50th above |
| Wholesale Funding Ratio | 1.54% | 5.11% | -3.57% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.92% | 6.47% | -2.55% | 46th below |
| Loan Growth (Y/Y) | 2.36% | 7.64% | -5.28% | 33rd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.98% | 6.02% | -2.04% | 50th above |
See Freedom Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freedom Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Freedom Bank profile, how to read a UBPR, or how this data updates.