BanksFREEDOM BANK, INC.

FREEDOM BANK, INC.

PHILIPPI, WVSmallEst. May 10, 1939, midnightFDIC #15664RSSD #629522FDIC
Latest · 2025-12-31

FREEDOM BANK, INC. is an 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%. CET1 capital ratio: 9.89%. NPL ratio: 0.28% · Texas Ratio: 2.22%. Operates 5 domestic branches.

Assets
$422M
Deposits
$375M
Loans
$296M
Equity
$44M

Profitability

Return on Assets (ROA)4.40%
Return on Equity (ROE)42.84%
Net Interest Margin5.95%
Yield on Assets7.89%
Cost of Funds2.01%

Asset Quality

NPL Ratio0.28%
Net Charge-Off Ratio0.05%
Texas Ratio2.22%
NPA Ratio0.25%
ACL / Loans0.91%

Capital & Liquidity

CET1 Ratio9.89%
Tier 1 Capital9.89%
Total Capital Ratio10.38%
Leverage Ratio11.17%
Loan-to-Deposit79.03%

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