FREEDOM BANK

HUNTINGBURG, IN | Medium | Est. Nov. 22, 1999, midnight | FDIC #35221 | RSSD #2858492 | FDIC
Latest Report: 2025-12-31

FREEDOM BANK is amn medium FDIC-insured commercial bank headquartered in HUNTINGBURG, IN, established in Nov. 22, 1999, midnight. As of 2025-12-31, the bank reported total assets of $579M and total deposits of $496M. Profitability stands at 1.93% ROA and 16.71% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 13.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.24%. FDIC Certificate #35221.

Assets

$579M

Deposits

$496M

Loans

$504M

Equity

$67M

Profitability

Return on Assets (ROA) 1.93%
Return on Equity (ROE) 16.71%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.73%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.24%
NPA Ratio 0.16%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 13.78%
Tier 1 Capital 13.78%
Total Capital Ratio 15.03%
Leverage Ratio 12.37%
Loan-to-Deposit 101.72%

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