Bank Comparison
First Federal Savings Bank vs Freedom Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Federal Savings Bank | Freedom Bank |
|---|---|---|
| CET1 Ratio | — | 13.77% |
| Tier 1 Capital Ratio | — | 13.77% |
| Total Capital Ratio | — | 15.03% |
| Tier 1 Leverage Ratio | 9.38% | 12.67% |
| Equity / Assets | 9.06% | 11.68% |
Profitability
| Metric | First Federal Savings Bank | Freedom Bank |
|---|---|---|
| Return on Assets (ROA) | 0.29% | 2.26% |
| Return on Equity (ROE) | 3.22% | 19.29% |
| Net Interest Margin (NIM) | 3.12% | 3.44% |
| Yield on Earning Assets | 5.41% | 5.28% |
| Cost of Funds | 2.35% | 2.05% |
Asset quality
| Metric | First Federal Savings Bank | Freedom Bank |
|---|---|---|
| Texas Ratio | 11.59% | 1.21% |
| Non-Performing Loan Ratio | 1.32% | 0.17% |
| Non-Performing Asset Ratio | 0.98% | 0.16% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.14% | 1.45% |
Balance sheet
| Metric | First Federal Savings Bank | Freedom Bank |
|---|---|---|
| Total Assets | $578,952K | $583,711K |
| Total Deposits | $458,027K | $504,479K |
| Total Loans | $431,627K | $502,257K |
| Total Equity | $52,481K | $68,186K |
| Net Income (quarter) | $427 | $3,260K |
Liquidity & funding
| Metric | First Federal Savings Bank | Freedom Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.24% | 99.56% |
| Core Deposit Ratio | 93.04% | 89.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings Bank | Freedom Bank |
|---|---|---|
| Headquarters City | EVANSVILLE | HUNTINGBURG |
| Headquarters State | IN | IN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 4 |
| Employees (FTE) | 129 | 62 |
| Established | July 1, 1934, midnight | Nov. 22, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Federal Savings Bank profile | View full Freedom Bank profile | Browse all bank comparisons