Bank · FDIC insured
Freedom Bank
A $157.3M bank headquartered in Columbia Falls, MT, with 1 branch in Montana. Best rates: CDs 3.56% and savings 1.01% APY.
Freedom Bank Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#3 of 7 in Kalispell, MT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Freedom Bank
Freedom Bank is a community bank headquartered in Columbia Falls, Montana.
Founded in 2005 by Don Bennett, the bank was established to provide relationship-focused personal banking service.
The bank directs its community support toward youth programs, community well-being, and wilderness preservation.
- Headquarters
- 530 9th St W, Columbia Falls, MT 59912
- FDIC certificate
- 58010 ↗
Branches
1 branch in Montana
Loading map…
Montana
1 branch
- Freedom BankMain office530 9th St W, Columbia Falls, MT 59912Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.25% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.54% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.84% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $100 | $81 | — |
- CapitalLeverage ratio12.25%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.54%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.84%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$100Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Freedom Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.