BanksFREEDOM BANK

FREEDOM BANK

ALAMO, TXSmallEst. July 12, 1958, midnightFDIC #17881RSSD #432058FDIC
Latest · 2025-12-31

FREEDOM BANK is an 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%. CET1 capital ratio: 11.85%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 2.08%. Operates 5 domestic branches.

Assets
$302M
Deposits
$247M
Loans
$175M
Equity
$37M

Profitability

Return on Assets (ROA)0.87%
Return on Equity (ROE)6.83%
Net Interest Margin3.99%
Yield on Assets6.74%
Cost of Funds2.93%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.06%
Texas Ratio2.08%
NPA Ratio0.27%
ACL / Loans1.16%

Capital & Liquidity

CET1 Ratio11.85%
Tier 1 Capital11.85%
Total Capital Ratio12.44%
Leverage Ratio11.97%
Loan-to-Deposit70.81%

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