BanksFREEDOMBANK

FREEDOMBANK

ELKADER, IASmallEst. Jan. 1, 1903, midnightFDIC #11767RSSD #652043FDIC
Latest · 2025-12-31

FREEDOMBANK is an 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%. CET1 capital ratio: 13.28%, well above regulatory minimums. NPL ratio: 0.49% · Texas Ratio: 3.40%. Operates 4 domestic branches.

Assets
$441M
Deposits
$378M
Loans
$327M
Equity
$46M

Profitability

Return on Assets (ROA)1.50%
Return on Equity (ROE)14.27%
Net Interest Margin3.51%
Yield on Assets5.41%
Cost of Funds1.98%

Asset Quality

NPL Ratio0.49%
Net Charge-Off Ratio0.01%
Texas Ratio3.40%
NPA Ratio0.39%
ACL / Loans1.10%

Capital & Liquidity

CET1 Ratio13.28%
Tier 1 Capital13.28%
Total Capital Ratio14.40%
Leverage Ratio10.00%
Loan-to-Deposit86.62%

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