FREEDOMBANK

ELKADER, IA | Small | Est. Jan. 1, 1903, midnight | FDIC #11767 | RSSD #652043 | FDIC
Latest Report: 2025-12-31

FREEDOMBANK is asn small FDIC-insured commercial bank headquartered in ELKADER, IA, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $441M and total deposits of $378M. Profitability stands at 1.50% ROA and 14.27% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 13.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 3.40%. FDIC Certificate #11767.

Assets

$441M

Deposits

$378M

Loans

$327M

Equity

$46M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 14.27%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.41%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.40%
NPA Ratio 0.39%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 13.28%
Tier 1 Capital 13.28%
Total Capital Ratio 14.40%
Leverage Ratio 10.00%
Loan-to-Deposit 86.62%

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