Freedom Bank: how it compares with its peers
Against 20 MT banks with half to twice its assets, Freedom Bank's strongest measure in Q2 2026 is net interest margin (5.71% vs. a 4.28% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $6.9M).
| Measure | Freedom Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.84% | 1.42% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.71% | 4.28% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.38% | 56.38% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.9M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.32% | 68.60% | Context |
What it means for lending operations
Its efficiency ratio of 56.38% is better than the 56.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank & Trust Company Big Timber, MT · $155M
- The Bank of Baker Baker, MT · $161M
- First State Bank of Forsyth Forsyth, MT · $166M
- The First State Bank of Shelby Shelby, MT · $176M
- Eagle Bank Polson, MT · $180M
- Pioneer State Bank Deer Lodge, MT · $134M
Questions about Freedom Bank
How big is Freedom Bank?
Freedom Bank, established in 2005, is headquartered in Columbia Falls, MT. It reported $157M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Freedom Bank's return on assets?
1.84% annualized in Q2 2026, against a 1.42% median for 20 MT banks with half to twice its assets, ahead of 70% of them.
What is Freedom Bank's efficiency ratio?
56.38% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 56.38%, and lower is better.
Is Freedom Bank growing its loans?
Net loans grew 10.7% over the year to Q2 2026, while deposits grew 11.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.