Freedom Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 6.0% from Q1 2026 to Q2 2026, ending at -$5.2M against -$4.9M. It was the largest change among the key lines on this page. Within Indiana, Freedom Bank is 19th of 50 on CET1 ratio, 14.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Freedom Bank sits 0.93 points lower, at 14.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.14% |
| Tier 1 risk-based capital ratio | 14.14% |
| Total risk-based capital ratio | 15.39% |
| Tier 1 leverage ratio | 12.62% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $74.2M |
| Tier 1 capital | $74.2M |
| Total risk-based capital | $80.8M |
| Total equity capital | $69.0M |
| Risk-weighted assets | $524.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.78% |
| Tangible equity to tangible assets | 11.78% |
| Equity capital to average assets | 11.73% |
| Internal capital growth rate | 6.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $916K |
| Common stock surplus | $7.6M |
| Retained earnings | $65.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.91% | 13.91% | 15.17% | 11.49% | $453.8M |
| Q4 2023 | 13.65% | 13.65% | 14.91% | 11.52% | $468.4M |
| Q1 2024 | 14.45% | 14.45% | 15.70% | 11.44% | $450.9M |
| Q2 2024 | 13.66% | 13.66% | 14.91% | 11.64% | $483.1M |
| Q3 2024 | 13.19% | 13.19% | 14.44% | 11.68% | $507.1M |
| Q4 2024 | 13.53% | 13.53% | 14.78% | 12.01% | $509.0M |
| Q1 2025 | 13.65% | 13.65% | 14.90% | 12.18% | $507.1M |
| Q2 2025 | 13.68% | 13.68% | 14.93% | 12.36% | $515.5M |
| Q3 2025 | 13.78% | 13.78% | 15.03% | 12.40% | $517.3M |
| Q4 2025 | 13.78% | 13.78% | 15.03% | 12.37% | $523.1M |
| Q1 2026 | 13.77% | 13.77% | 15.03% | 12.67% | $530.9M |
| Q2 2026 | 14.14% | 14.14% | 15.39% | 12.62% | $524.8M |
Freedom Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank, freeSource: Call Report Schedule RC-R, 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35221) · FFIEC NIC profile (RSSD 2858492)