Freedom Bank (Huntingburg, IN)
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Data as of · sourced from FFIEC call reports. How we update
Freedom Bank is an FDIC-insured commercial bank headquartered in Huntingburg, IN, established in 1999 (FDIC certificate 35221), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $585.7M, up 3.9% from Q2 2025, the 35th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 14.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35221
- Headquarters
- Huntingburg, IN
- Established
- 1999
- Total assets, Q2 2026
- $585.7M
- Assets vs Q2 2025
- +3.9%
- CET1 ratio, Q2 2026
- 14.14%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083914236
- Holding company
- FREEDOM BANCORP
- Asset rank in state
- 35th of 87 in Indiana
Freedom Bank is one of the more profitable banks of its size. The Huntingburg, Indiana bank had $586 million in assets at June 30, 2026, up 3.9% from a year earlier. It earns about $2.26 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
As of June 30, 2026, Freedom Bank reported a CET1 capital ratio of 14.14%, a return on assets of 2.26%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Freedom Bank is the 35th largest of the 87 banks headquartered in Indiana. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $585.7M, loans rose 0.1% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.3% of total loans, ahead of multifamily loans at 11.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IN; its Huntingburg office books 32% of its branch deposits. Judged on its Q2 2026 call report, Freedom Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1405 N Main St, Huntingburg, IN 47542
- County
- Dubois
- Metro Area
- Jasper, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 22, 1999
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $505.7M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $587.9M
- Average total loans
- $502.8M
- Average interest-bearing deposits
- $393.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 22, 1999
- FDIC Cert
- 35221
- Fed RSSD
- 2858492
- Website
- WWW.THATSFREEDOM.BANK →
- Parent Holding Company
- FREEDOM BANCORP (RSSD 3575787)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Freedom Bank's total assets moved between a low of $560.9M (Q3 2024) and a high of $587.4M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$585.7M total assets against $563.7M; $516.8M total liabilities against $499.4M.
$495.2M net loans and leases against $483.6M; $505.7M total deposits against $486.4M.
$42.0M securities against $51.2M; $29.8M cash and balances due against $10.9M.
$7.8M total interest income against $7.2M; $2.6M total interest expense against $3.0M.
$5.2M net interest income against $4.3M.
$637K total noninterest income against $743K; $2.4M total noninterest expense against $2.3M.
$56K provision for credit losses against -$409K.
$3.3M net income against $3.1M.
2.26% return on assets against 2.15%; 3.56% net interest margin against 3.00%.
14.14% CET1 capital ratio against 13.68%; 12.62% tier 1 leverage ratio against 12.36%.
Inside the full Freedom Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFreedom Bank rankings
Its closest position to the top of a national ranking is 268 of 3,611, for ROA; its furthest is 2,439 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.37% (Q3 2024) to 2.26% (Q2 2026) and its net interest margin ran from 2.58% (Q3 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.14% | 2.26% | 0.23% | 1.57% | 3.56% |
| Q1 2026 | 13.77% | 2.26% | 0.18% | 1.21% | 3.44% |
| Q4 2025 | 13.78% | 1.91% | 0.18% | 1.24% | 3.26% |
| Q3 2025 | 13.78% | 1.97% | 0.19% | 1.25% | 3.15% |
| Q2 2025 | 13.68% | 2.15% | 0.21% | 1.42% | 3.00% |
| Q1 2025 | 13.65% | 2.08% | 0.18% | 1.21% | 2.85% |
| Q4 2024 | 13.53% | 2.22% | 0.16% | 1.15% | 2.87% |
| Q3 2024 | 13.19% | 1.37% | 0.07% | 0.47% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Freedom Bank (main office) | Huntingburg , IN | 47542 | $163.8M |
| Dale Branch | Dale , IN | 47523 | $131.3M |
| Jasper Branch | Jasper , IN | 47546 | $129.6M |
| Rockport Branch | Rockport , IN | 47635 | $81.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 53 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $112K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Freedom Bank
What are Freedom Bank's total assets?
As of the Q2 2026 filing, Freedom Bank reported total assets of $585.7 million in its FFIEC call report.
Where is Freedom Bank headquartered?
It is headquartered in Huntingburg, IN, United States.
When was Freedom Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Freedom Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Freedom Bank?
Freedom Bank's primary federal regulator is the FDIC.
What is Freedom Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Freedom Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Freedom Bank's Texas Ratio?
Its Texas Ratio is 1.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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