FREEDOM BANK

ALAMO, TX | Small | Est. July 12, 1958, midnight | FDIC #17881 | RSSD #432058 | FDIC
Latest Report: 2025-12-31

FREEDOM BANK is asn small FDIC-insured commercial bank headquartered in ALAMO, TX, established in July 12, 1958, midnight. As of 2025-12-31, the bank reported total assets of $302M and total deposits of $247M. Profitability stands at 0.87% ROA and 6.83% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 11.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 2.08%. FDIC Certificate #17881.

Assets

$302M

Deposits

$247M

Loans

$175M

Equity

$37M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 6.83%
Net Interest Margin (NIM) 3.99%
Yield on Assets 6.74%
Cost of Funds 2.93%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.08%
NPA Ratio 0.27%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 11.34%
Tier 1 Capital 11.34%
Total Capital Ratio 11.90%
Leverage Ratio 11.97%
Loan-to-Deposit 70.81%

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