First Freedom Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 2.20 percentage points lower than in Q1 2026, at 10.80%. First Freedom Bank ranks 32nd of 109 Tennessee banks on return on assets, in the upper half at 1.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Freedom Bank sits 0.34 points higher, at 1.59% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.46% |
| Equity capital to assets | 12.17% |
| Tangible equity to tangible assets | 12.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 3.05% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 12.96% |
| Net interest margin | 4.17% |
| Efficiency ratio | 47.37% |
| Yield on earning assets | 6.45% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.85% |
| Core deposits to total deposits | 74.10% |
| Brokered deposits to total deposits | 10.80% |
| Deposits to assets | 86.82% |
| Securities to assets | 3.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.50% | 2.09% | 3.95% | 0.10% | 0.22% |
| Q4 2023 | 10.96% | 1.53% | 3.83% | 0.10% | 0.29% |
| Q1 2024 | 10.98% | 1.30% | 3.85% | 0.32% | 0.23% |
| Q2 2024 | 11.07% | 1.34% | 3.83% | 0.15% | 0.20% |
| Q3 2024 | 11.16% | 1.64% | 3.75% | 0.06% | 0.33% |
| Q4 2024 | 10.87% | 1.39% | 3.56% | 0.00% | 0.23% |
| Q1 2025 | 10.71% | 1.09% | 3.44% | 0.08% | 0.15% |
| Q2 2025 | 11.19% | 1.45% | 3.90% | 0.08% | 0.16% |
| Q3 2025 | 11.96% | 1.74% | 4.06% | 0.08% | 0.18% |
| Q4 2025 | 12.33% | 1.66% | 4.19% | 0.07% | 0.10% |
| Q1 2026 | 12.56% | 2.46% | 4.18% | 0.07% | 0.16% |
| Q2 2026 | 12.46% | 1.59% | 4.17% | 0.00% | 0.10% |
First Freedom Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Freedom Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58208) · FFIEC NIC profile (RSSD 3437148)