Freedom Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freedom Financial Bank of West Des Moines, IA 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 | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 15.51% | 13.31% | +2.20% | 69th above |
| Net Interest Margin | 3.08% | 3.93% | -0.85% | 12th bottom |
| Efficiency Ratio | 50.19% | 61.14% | -10.95% | 80th top |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 2.70% | 1.88% | +0.82% | 11th bottom |
| Net Interest Spread | 2.51% | 3.32% | -0.81% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 80th top |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.36% | 19.51% | -9.15% | 4th bottom |
| Tier 1 Ratio | 10.36% | 19.54% | -9.18% | 4th bottom |
| Total Capital Ratio | 11.62% | 20.63% | -9.01% | 6th bottom |
| Leverage Ratio | 9.30% | 12.14% | -2.84% | 18th bottom |
| Equity / Assets | 9.29% | 11.37% | -2.08% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.09% | -1.80% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.42% | 80.63% | +28.79% | 4th bottom |
| Core Deposit Ratio | 68.88% | 86.87% | -17.99% | 4th bottom |
| Wholesale Funding Ratio | 13.25% | 5.03% | +8.22% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.17% | 6.85% | -5.68% | 27th below |
| Loan Growth (Y/Y) | 1.61% | 7.90% | -6.29% | 30th below |
| Deposit Growth (Y/Y) | 3.92% | 6.29% | -2.37% | 49th below |
See Freedom Financial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freedom Financial 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 Financial Bank profile, how to read a UBPR, or how this data updates.