Freedom Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.87 percentage points in Q2 2026, from 155.05% to 150.17%. It was the largest change from Q1 2026 among the key lines here. Freedom Bank ranks 10th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 99.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Freedom Bank sits 18.54 points higher, at 99.38% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $502.6M |
| Net loans and leases | $495.2M |
| Loans held for sale | $268K |
| Loans to total assets | 85.80% |
| Loan-to-deposit ratio | 99.38% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.35% |
| Multifamily (5+ residential) | 11.55% |
| Commercial and industrial | 3.60% |
| Consumer | 3.07% |
| Credit cards | 0.00% |
| Farm | 7.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.17% |
| Construction concentration (Tier 1 capital + allowance) | 24.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.72% |
| Interest income on loans | $7.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $469.7M | $470.6M | 12.55% | 4.71% | 6.17% |
| Q4 2023 | $475.2M | $471.9M | 12.66% | 4.66% | 5.85% |
| Q1 2024 | $468.9M | $478.1M | 13.31% | 4.52% | 5.73% |
| Q2 2024 | $474.3M | $482.8M | 12.65% | 4.74% | 5.34% |
| Q3 2024 | $481.1M | $485.2M | 13.78% | 4.41% | 4.89% |
| Q4 2024 | $492.8M | $489.7M | 13.10% | 4.48% | 4.51% |
| Q1 2025 | $487.2M | $493.2M | 13.31% | 4.29% | 4.25% |
| Q2 2025 | $491.0M | $486.4M | 12.93% | 4.17% | 3.95% |
| Q3 2025 | $493.8M | $497.4M | 11.53% | 3.96% | 3.72% |
| Q4 2025 | $504.2M | $495.6M | 12.30% | 3.61% | 3.50% |
| Q1 2026 | $502.3M | $504.5M | 12.21% | 3.65% | 3.27% |
| Q2 2026 | $502.6M | $505.7M | 12.35% | 3.60% | 3.07% |
Freedom Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank, freeSource: Call Report Schedule RC-C, 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)