Freeport State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.73 percentage points in Q2 2026, from 74.57% to 77.30%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Freeport State Bank is 139th of 221 on return on assets, 1.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Freeport State Bank sits 0.07 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 15.83% |
| Tier 1 leverage ratio | 10.69% |
| Equity capital to assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 97700.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 11.78% |
| Net interest margin | 4.51% |
| Efficiency ratio | 62.05% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.30% |
| Core deposits to total deposits | 94.24% |
| Brokered deposits to total deposits | 0.34% |
| Deposits to assets | 89.41% |
| Securities to assets | 20.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.01% | 14.01% | 14.82% | 9.92% | 0.85% |
| Q4 2023 | 14.43% | 14.43% | 15.26% | 9.55% | 0.37% |
| Q1 2024 | 14.12% | 14.12% | 14.95% | 9.45% | 0.76% |
| Q2 2024 | 13.99% | 13.99% | 14.79% | 9.62% | 0.91% |
| Q3 2024 | 14.13% | 14.13% | 14.92% | 9.69% | 1.02% |
| Q4 2024 | 14.45% | 14.45% | 15.25% | 9.36% | 0.46% |
| Q1 2025 | 14.40% | 14.40% | 15.20% | 9.37% | 1.00% |
| Q2 2025 | 14.49% | 14.49% | 15.30% | 9.57% | 1.07% |
| Q3 2025 | 14.71% | 14.71% | 15.52% | 9.85% | 1.09% |
| Q4 2025 | 15.07% | 15.07% | 15.90% | 9.99% | 0.70% |
| Q1 2026 | 15.40% | 15.40% | 16.24% | 10.38% | 1.03% |
| Q2 2026 | 15.00% | 15.00% | 15.83% | 10.69% | 1.19% |
Freeport State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Freeport State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Freeport State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8210) · FFIEC NIC profile (RSSD 72454)