Headquartered in Columbia Falls, Montana, Freedom Bank is a state-chartered bank with $157.3M in total assets and $138.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2005.
Based on its Q2 2026 filing, Freedom Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 7th. Its strongest component is earnings (94/100; 1.84%), and its lowest is funding & liquidity (51/100; 98% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 79 |
| Q1 2025 | 77 |
| Q2 2025 | 80 |
| Q3 2025 | 81 |
| Q4 2025 | 79 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.33% |
| Q3 2024 | 12.27% |
| Q4 2024 | 12.42% |
| Q1 2025 | 11.65% |
| Q2 2025 | 11.78% |
| Q3 2025 | 12.03% |
| Q4 2025 | 12.38% |
| Q1 2026 | 12.05% |
| Q2 2026 | 12.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.88% |
| Q3 2024 | 1.91% |
| Q4 2024 | 1.96% |
| Q1 2025 | 1.86% |
| Q2 2025 | 2.01% |
| Q3 2025 | 1.96% |
| Q4 2025 | 2.00% |
| Q1 2026 | 1.80% |
| Q2 2026 | 1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $157.3M | 12.25% | 0.54% | 1.84% | 98.3% |
| Q1 2026 | 77 | $147.0M | 12.05% | 0.59% | 1.80% | 100.5% |
| Q4 2025 | 79 | $143.7M | 12.38% | 0.56% | 2.00% | 103.8% |
| Q3 2025 | 81 | $149.9M | 12.03% | 0.33% | 1.96% | 94.7% |
| Q2 2025 | 80 | $141.4M | 11.78% | 0.33% | 2.01% | 99.2% |
| Q1 2025 | 77 | $139.8M | 11.65% | 0.46% | 1.86% | 103.3% |
| Q4 2024 | 79 | $136.6M | 12.42% | 0.49% | 1.96% | 103.4% |
| Q3 2024 | 79 | $134.5M | 12.27% | 0.53% | 1.91% | 98.2% |
| Q2 2024 | 79 | $129.3M | 12.33% | 0.56% | 1.88% | 99.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & Trust CompanyBank Big Timber, MT | 49 out of 100, Below average | $155.4M | 9.9% | 3.15% | vs |
| The Bank of BakerBank Baker, MT | 74 out of 100, Strong | $160.9M | 10.9% | 0.72% | vs |
| First State Bank of ForsythBank Forsyth, MT | 71 out of 100, Strong | $165.5M | 12.1% | 1.69% | vs |
| The First State Bank of ShelbyBank Shelby, MT | 93 out of 100, Very strong | $175.6M | 19.4% | 0.00% | vs |
| Eagle BankBank Polson, MT | 92 out of 100, Very strong | $179.5M | 13.0% | 0.00% | vs |
| Pioneer State BankBank Deer Lodge, MT | 70 out of 100, Strong | $133.5M | 16.8% | 0.59% | vs |
Deposit insurance
Is my money safe at Freedom Bank?
Yes. Freedom Bank is an FDIC-insured institution (FDIC certificate #58010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.7% of deposits ($34.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Freedom Bank lists 1 office in 1 city. Most locations:
- Columbia Falls, MT (1)
Identity & history
Profile
- Legal name
- Freedom Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58010
- RSSD ID
- 3314119
- Primary regulator
- FDIC
- Holding company
- Freedom Bcorp
- Established
- April 12, 2005
- Headquarters
- 530 9th St W, Columbia Falls, MT 59912
- Website
- www.freedombankmt.com
- Employees
- 28
Quick answers
Freedom Bank: common questions
Is Freedom Bank FDIC insured?
Yes. Freedom Bank is an FDIC-insured institution (FDIC certificate #58010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Freedom Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Freedom Bank ever failed?
There is no failure record for FDIC certificate #58010 in the FDIC failed bank list.
How many branches does Freedom Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Whitefish Credit Union AssociationCredit union Whitefish, MT | 76 out of 100, Strong | $2.1B | 12.7% | 0.15% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Valley Bank of KalispellBank Kalispell, MT | 72 out of 100, Strong | $218.1M | 9.5% | 0.35% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |