# FREEDOM BANK
COLUMBIA FALLS, MT · FDIC certificate 58010 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $157.3M | |
| Deposits | $138.8M | |
| Loans and leases | $138.3M | |
| Total equity | $18.1M | |
| Loans / deposits | 98.32% (p90 of band) | 73.59% |
| Liquid assets / assets | 11.05% (p5 of band) | |
| Uninsured deposits / deposits | 24.74% (p67 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.25% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.84% (p81 of band) | 1.17% |
| Net interest margin | 5.71% (p97 of band) | 3.93% |
| Efficiency ratio | 56.38% (p26 of band) | |
| Noncurrent loans | 0.54% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 240.88% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 93.81% (p93 of band) | |
| Auto loans | $618,000 (0.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | leverage <7%, noncurrent p90 |
| 2011-09 | 5 | noncurrent p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 4 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking | construction >100% equity |
| 2013-06 | 3 |  | noncurrent p90 |
| 2013-09 | 2 | construction >100% equity | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | capital falling, noncurrent p90 |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 2 |  | construction >100% equity |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 3 | charge-offs p90, construction >100% equity | noncurrent p90 |
| 2015-09 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2015-12 | 0 |  | construction >100% equity |
| 2016-03 | 1 | construction >100% equity |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | capital falling, construction >100% equity |  |
| 2018-09 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 2 | loans exceed deposits, liquid assets <10% | construction >100% equity |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2019-12 | 1 | liquid assets <10% |  |
| 2020-03 | 1 | loans exceed deposits | liquid assets <10% |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | loans exceed deposits |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | construction >100% equity |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2023-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 3 | loans exceed deposits, liquid assets <10% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 3 |  |  |
| 2025-06 | 0 |  | construction >100% equity, loans exceed deposits, liquid assets <10% |
| 2025-09 | 1 | construction >100% equity |  |
| 2025-12 | 2 | loans exceed deposits, liquid assets <10% | construction >100% equity |
| 2026-03 | 2 |  |  |
| 2026-06 | 0 |  | loans exceed deposits, liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-04-13 [It cost $22 billion to rescue two failed banks. Now the question is who will pay - VPM](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOb2MyMk8tajBWa1c1cDdtUk14M1o3aHkzMy14ajlHVS1OUkNQUUtFOVZFcy13TURXQi1HeHIwaXJOdTktOG5DTlZsSmFtNy1WMVhFNFlUY1pXZXp0VFQ3QWlQYWVSTHdhSTM2NC1zeTluSWhsU2VteF9iQjlDWDY4U0JncFdJb2h0bUFCak9SWVNkczVwUkJuWlFpMGFYSHVWbWlDRkd4TlEtaE5yTFVvVERrTklRR1ZySkV4UDJXR3dpbXJXa3FDZGZxcy05RHZYb0pBNzVzd0xMZE16N1ByUkZWM3ZXUHlhUkVvanRQZG9xcktBdml5TVJ3dG8?oc=5) · VPM
- 2025-03-26 [Freedom Bank celebrating its 20th year - Hungry Horse News](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTlktUHVYSUt0QzlxYzNxN0Mtc1NPRDQwRUFCMlNkSk1ELWg2NVA5SlRMWnp6RkdZYVdCOGgzTmhISExZejVBWkg1SFh3MmY5aVNkUkhQbmtQeXFWeDh0eGpZNURQQl9yTEd0RWEzcThkTmVCQmlMUnk3dXpJT2ROYUp2VFVqdXpSd1Z2Qg?oc=5) · Hungry Horse News
- 2026-07-07 [Freedom Bank names Petrie as executive vice president and chief lending officer - ROI-NJ](https://news.google.com/rss/articles/CBMivwFBVV95cUxNeXlCRTg3U29wQ0hXR3ROVjFudzZfeEFIVWNiTldQbDFBNUZMR0E4VXAwSjdkQXJXNEJ4bWJCR3FRY0llNmw5QjF2ZjR2UGdkNHA5a3ZjeFB3blZ4ZGsxd1VoMGo0QlBfQk13NmxTZGdjbVVvM3NncnhjWXFfSGhmZGxXbFgzX0JNNHVCREFEdG84bDFMb1JhYmp2cjI5bFZNYmN4ZUxYelFaakZwcTNLUExKZWFnNFM3d3VLZlNQQQ?oc=5) · ROI-NJ
- 2026-07-01 [Freedom Holding Corp. Receives BRSA Approval to Acquire Turkish Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOaEIxLVBjVVU0UXFvekVzZVhBQWNxTV81bmdNNVlzVzJLcVJhdFgxQ3g5UVM0ZzF0emlxRTFZLXNnMV9YS3NKRXB5czc4TzlGZVJNYWUzRWJIOGxwM2RoQ2tYX3p4M2ViTmxsblZQMFAxTHcyUHlNd3g5cEJDeWp4aHA1WEhyN1N2ZWRhLU9vUWNVWW1JVHAtS0t5WWE4V0pB?oc=5) · Yahoo Finance
- 2021-04-25 [Maverick Bench selected Freedom Bank's March Hometown Hero - Daily Inter Lake](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQ1RWU1I0TlZfcTFKc3Z2VE5sWGduUmtuRlhaTVB5b0xnUFE2QWhsRWFGNHFmdEs2QjFXdTRWTW5pQVVQdlJXTjBxejk3NFRUOW5PakdEc3dVeHZuWUE0YnZZb21rOVczNGVzOFFaclpsUXg3XzBRSE5zMXVRUHluYU1WZ2pTd0Z3VmxlMnZoMjU4dktLTGRISm5OWQ?oc=5) · Daily Inter Lake
- 2017-10-13 [First Freedom promotes Carnes - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYUp4dmhSSEhBbWRTLVI4M0RNbzVVTWx6T2hfWUxhSGd3Y1RRWDE0Q0hPSk8wY0Frb0JXUmZtQ3ctclNDUjN6eTVaY3VZa1Rwdi11VXI5QjJkdDcwaFZjZUZzVDZUcnl1dzM0MnRNMUVXLXJwNS1pNVVIdzhDZWI4aEtSdHE2bTNsSURn?oc=5) · Main Street Media of Tennessee
- 2026-05-22 [https://marylandreporter.com/2025/10/25/freedom-bank-wins-an-award-in-dubai - MarylandReporter.com](https://news.google.com/rss/articles/CBMioAJBVV95cUxQMTY5V3E4Qm0xaE5ZTHNtVWxpWmJfR3dzTmZ0cXFoMFBMelZQWnlTS0tsQTUxZUpkRVFMaDdxdzE0RTlaZmpJVDU0Sk5jZ0ZQdGJTR2xDNzNONVF4M1VwcWVvRlhKeXFkd25DRnluUEZtR2hxRllGRWw0TXRJRXRQU1k5YmZld3pvWFF0ZExKbERzMlRKcmwyV1J6a3g1NFRLQm1MLTFiLTRyUVZ2cXk3UHhhMnhLeGxuZjZJOXczbVNIY0tlV24xVW5aNXp6NUFHZW5yZEExREFES29NeWZhUDhGbUx6ZDNHYmNVVWhHT0QyaXRfR2x5RmNzZEpkTkpEaWFTZUZQbEZoQzFuRVJ0akJwMnJERXFyXzJIMWs2NXA?oc=5) · MarylandReporter.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58010 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "58010", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide