Freedombank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freedombank of Elkader, IA against its peer group of 2757 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 | 1.12% | 1.25% | -0.13% | 39th below |
| ROAE | 10.06% | 12.22% | -2.16% | 35th below |
| Net Interest Margin | 3.38% | 3.95% | -0.57% | 22nd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.48% | 63.71% | -0.23% | 43rd below |
| PPNR / Avg Assets | 1.20% | — | — | 28th below |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 31st below |
| Cost of Funds | 1.99% | 1.87% | +0.12% | 37th below |
| Net Interest Spread | 2.68% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.88% | -0.62% | 60th above |
| NPA / Total Assets | 0.50% | — | — | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.11% | — | — | 40th below |
| ACL / NPLs (Coverage) | 428.95% | — | — | 67th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.27% | 5.96% | -1.69% | 39th below |
| Provision / NCO | 326.09% | — | — | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.15% | 17.18% | -3.03% | 40th below |
| Tier 1 Ratio | 14.15% | 17.21% | -3.06% | 40th below |
| Total Capital Ratio | 15.32% | — | — | 40th below |
| Leverage Ratio | 10.70% | 11.75% | -1.05% | 45th below |
| Equity / Assets | 11.27% | 10.98% | +0.29% | 63rd above |
| TCE / Tangible Assets | 8.57% | — | — | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.94% | 80.44% | +10.50% | 27th below |
| Core Deposit Ratio | 92.17% | 86.95% | +5.22% | 69th above |
| Wholesale Funding Ratio | 3.19% | — | — | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.44% | — | — | 16th bottom |
| Loan Growth (Y/Y) | 6.13% | — | — | 54th above |
| Deposit Growth (Y/Y) | -1.34% | — | — | 16th bottom |
See Freedombank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freedombank, 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 Freedombank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Freedombank peer analysis.