The Freedom Bank of Virginia: Financial Reports & UBPR Data
BankRegReports is independent of The Freedom Bank of Virginia and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Freedom Bank of Virginia. The Fairfax, Virginia bank had $1.0 billion in assets at June 30, 2026, down 3.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.26% of loans from 1.43% a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 82 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Delinquency has appeared in its $202 million non-owner-occupied commercial real estate book: 3.26% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings fell sharply: quarterly net income of $765,000 was 41% below a year earlier. Credit is the area to watch: it carries problem assets equal to 23.2% of the capital and reserves that would absorb them, 6.5 times the median of 3.6% for banks its size.
As of June 30, 2026, The Freedom Bank of Virginia reported a CET1 capital ratio of 13.66%, a return on assets of 0.29%, a nonperforming-loan ratio of 3.26% and a Texas ratio of 23.20%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 10555 Main St, Fairfax, VA 22030
- County
- Fairfax City
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 23, 2001
- Offices
- 6 domestic
- Employees (FTE)
- 101
- Domestic deposits
- $875.0M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $6.4M
- Average total assets
- $1.06B
- Average total loans
- $748.9M
- Average interest-bearing deposits
- $751.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 23, 2001
- FDIC Cert
- 57184
- Fed RSSD
- 3019982
- SEC CIK
- 1896119 → filed by FREEDOM FINANCIAL HOLDINGS, INC.
- Website
- freedom.bank →
- Parent Holding Company
- FREEDOM FINANCIAL HOLDINGS, INC. (RSSD 5624205)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Freedom Bank of Virginia terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Freedom Bank of Virginia, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Freedom Bank of Virginia rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Freedom Bank of Virginia: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 0.29% | 3.26% | 23.20% | 2.95% |
| Q1 2026 | 13.50% | 0.58% | 2.46% | 20.91% | 2.81% |
| Q4 2025 | 13.84% | -1.23% | 3.49% | 24.28% | 2.87% |
| Q3 2025 | 14.64% | 0.57% | 2.05% | 13.59% | 2.77% |
| Q2 2025 | 14.30% | 0.47% | 1.43% | 9.72% | 2.73% |
| Q1 2025 | 14.14% | 0.88% | 1.41% | 9.89% | 3.10% |
| Q4 2024 | 13.57% | 0.57% | 1.77% | 12.98% | 2.53% |
| Q3 2024 | 13.21% | 0.27% | 1.51% | 10.81% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Freedom Bank of Virginia | Fairfax , VA | 22030 | $612.1M |
| Manassas Branch | Manassas , VA | 20109 | $87.1M |
| Maple Ave Branch | Vienna , VA | 22180 | $66.0M |
| Chantilly Branch | Chantilly , VA | 20151 | $49.0M |
| Reston Branch | Reston , VA | 20190 | $31.0M |
| Tysons Branch | Mclean , VA | 22102 | $29.8M |
Regulatory record
What the public regulatory sources show for The Freedom Bank of Virginia, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- May 11, 2015, Federal Reserve: Civil Money Penalty, $2,100: The Freedom Bank of Virginia, Fairfax, Virginia
- Period: Most recent institution action May 11, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in VA, rank 37 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 318 applications, 279 loans originated, $152.0M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $4.8M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Freedom Bank of Virginia’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Freedom Bank of Virginia with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Freedom Bank of Virginia
What are The Freedom Bank of Virginia's total assets?
As of the Q2 2026 filing, The Freedom Bank of Virginia reported total assets of $1.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Freedom Bank of Virginia headquartered?
The Freedom Bank of Virginia is headquartered in Fairfax, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Freedom Bank of Virginia founded?
The Freedom Bank of Virginia was established in 2001, per the FDIC institution directory.
Is The Freedom Bank of Virginia FDIC-insured?
Yes. The Freedom Bank of Virginia is an FDIC-insured commercial bank (FDIC Certificate #57184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Freedom Bank of Virginia?
The Freedom Bank of Virginia's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Freedom Bank of Virginia's CET1 capital ratio?
The Freedom Bank of Virginia reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Freedom Bank of Virginia operate?
The Freedom Bank of Virginia operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Freedom Bank of Virginia's Texas Ratio?
The Freedom Bank of Virginia's Texas Ratio is 23.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The Freedom Bank of Virginia.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Freedom Bank of Virginia, freeFree account