Bank Comparison
Freedom Bank, INC. vs Union Bank, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Freedom Bank, INC. | Union Bank, Inc. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.37% | 9.03% |
| Equity / Assets | 10.74% | 8.39% |
Profitability
| Metric | Freedom Bank, INC. | Union Bank, Inc. |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.85% |
| Return on Equity (ROE) | 12.37% | 21.94% |
| Net Interest Margin (NIM) | 4.70% | 3.46% |
| Yield on Earning Assets | 6.05% | 4.66% |
| Cost of Funds | 1.43% | 1.31% |
Asset quality
| Metric | Freedom Bank, INC. | Union Bank, Inc. |
|---|---|---|
| Texas Ratio | 2.58% | 10.44% |
| Non-Performing Loan Ratio | 0.31% | 1.05% |
| Non-Performing Asset Ratio | 0.27% | 0.43% |
| Net Charge-Off Ratio | 0.01% | 0.08% |
| ACL / Loans | 0.95% | 0.89% |
Balance sheet
| Metric | Freedom Bank, INC. | Union Bank, Inc. |
|---|---|---|
| Total Assets | $420,343K | $415,050K |
| Total Deposits | $371,910K | $376,746K |
| Total Loans | $298,860K | $172,512K |
| Total Equity | $45,131K | $34,819K |
| Net Income (quarter) | $1,383K | $1,978K |
Liquidity & funding
| Metric | Freedom Bank, INC. | Union Bank, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.36% | 45.79% |
| Core Deposit Ratio | 96.71% | 99.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Freedom Bank, INC. | Union Bank, Inc. |
|---|---|---|
| Headquarters City | PHILIPPI | Middlebourne |
| Headquarters State | WV | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 8 |
| Employees (FTE) | 85 | 61 |
| Established | May 10, 1939, midnight | July 5, 1947, 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.
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