FREEDOM BANK, INC.

PHILIPPI, WV | Small | Est. May 10, 1939, midnight | FDIC #15664 | RSSD #629522 | FDIC
Latest Report: 2025-12-31

FREEDOM BANK, INC. is asn small FDIC-insured commercial bank headquartered in PHILIPPI, WV, established in May 10, 1939, midnight. As of 2025-12-31, the bank reported total assets of $422M and total deposits of $375M. Profitability stands at 4.40% ROA and 42.84% ROE, with a net interest margin of 5.95%. The bank's CET1 capital ratio is 9.89%. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 2.22%. FDIC Certificate #15664.

Assets

$422M

Deposits

$375M

Loans

$296M

Equity

$44M

Profitability

Return on Assets (ROA) 4.40%
Return on Equity (ROE) 42.84%
Net Interest Margin (NIM) 5.95%
Yield on Assets 7.89%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.22%
NPA Ratio 0.25%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 9.89%
Tier 1 Capital 9.89%
Total Capital Ratio 10.38%
Leverage Ratio 11.17%
Loan-to-Deposit 79.03%

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