Bank Comparison
Nebraskaland Bank vs The Freedom Bank of Virginia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 6
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Nebraskaland Bank | The Freedom Bank of Virginia |
|---|---|---|
| CET1 Ratio | — | 13.66% |
| Tier 1 Capital Ratio | — | 13.66% |
| Total Capital Ratio | — | 14.63% |
| Tier 1 Leverage Ratio | 9.20% | 11.06% |
| Equity / Assets | 8.66% | 10.03% |
Profitability
| Metric | Nebraskaland Bank | The Freedom Bank of Virginia |
|---|---|---|
| Return on Assets (ROA) | 0.59% | 0.29% |
| Return on Equity (ROE) | 6.92% | 2.96% |
| Net Interest Margin (NIM) | 2.92% | 2.95% |
| Yield on Earning Assets | 5.11% | 5.63% |
| Cost of Funds | 2.27% | 2.79% |
Asset quality
| Metric | Nebraskaland Bank | The Freedom Bank of Virginia |
|---|---|---|
| Texas Ratio | 1.67% | 23.20% |
| Non-Performing Loan Ratio | 0.22% | 3.26% |
| Non-Performing Asset Ratio | 0.16% | 2.51% |
| Net Charge-Off Ratio | 0.27% | 0.08% |
| ACL / Loans | 0.93% | 1.04% |
Balance sheet
| Metric | Nebraskaland Bank | The Freedom Bank of Virginia |
|---|---|---|
| Total Assets | $1.04B | $1.04B |
| Total Deposits | $826.2M | $875.0M |
| Total Loans | $745.8M | $777.5M |
| Total Equity | $90.0M | $104.1M |
| Net Income (quarter) | $1.6M | $765K |
Liquidity & funding
| Metric | Nebraskaland Bank | The Freedom Bank of Virginia |
|---|---|---|
| Loan-to-Deposit Ratio | 90.26% | 88.86% |
| Core Deposit Ratio | 83.55% | 72.75% |
| Uninsured Deposit Ratio | — | 24.89% |
Identity
| Metric | Nebraskaland Bank | The Freedom Bank of Virginia |
|---|---|---|
| Headquarters City | North Platte | Fairfax |
| Headquarters State | NE | VA |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FED | FED |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 103 | 101 |
| Established | May 14, 1998 | July 23, 2001 |
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 September 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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