FIRST FREEDOM BANK

LEBANON, TN | Medium | Est. April 3, 2006, midnight | FDIC #58208 | RSSD #3437148 | FDIC
Latest Report: 2025-12-31

FIRST FREEDOM BANK is amn medium FDIC-insured commercial bank headquartered in LEBANON, TN, established in April 3, 2006, midnight. As of 2025-12-31, the bank reported total assets of $777M and total deposits of $666M. Profitability stands at 1.63% ROA and 13.64% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 11.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.47%. FDIC Certificate #58208.

Assets

$777M

Deposits

$666M

Loans

$649M

Equity

$92M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 13.64%
Net Interest Margin (NIM) 4.25%
Yield on Assets 6.60%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.14%
Texas Ratio 0.47%
NPA Ratio 0.06%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 11.66%
Tier 1 Capital 11.66%
Total Capital Ratio 12.25%
Leverage Ratio 12.33%
Loan-to-Deposit 97.46%

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