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 Reserve coverage of non-performing loans: 67.01 percentage points lower than in Q1 2026, at 765.14%. On return on assets, Freedom Bank ranks 5th highest among the 87 banks headquartered in Indiana, at 2.26% (Q2 2026). Freedom Bank's return on assets of 2.26% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.01 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.14% |
| Tier 1 risk-based capital ratio | 14.14% |
| Total risk-based capital ratio | 15.39% |
| Tier 1 leverage ratio | 12.62% |
| Equity capital to assets | 11.78% |
| Tangible equity to tangible assets | 11.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.57% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 765.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.26% |
| Return on equity | 19.38% |
| Net interest margin | 3.56% |
| Efficiency ratio | 41.96% |
| Yield on earning assets | 5.38% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.38% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.34% |
| Securities to assets | 7.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.91% | 13.91% | 15.17% | 11.49% | 1.62% |
| Q4 2023 | 13.65% | 13.65% | 14.91% | 11.52% | 1.34% |
| Q1 2024 | 14.45% | 14.45% | 15.70% | 11.44% | 1.38% |
| Q2 2024 | 13.66% | 13.66% | 14.91% | 11.64% | 1.28% |
| Q3 2024 | 13.19% | 13.19% | 14.44% | 11.68% | 1.37% |
| Q4 2024 | 13.53% | 13.53% | 14.78% | 12.01% | 2.22% |
| Q1 2025 | 13.65% | 13.65% | 14.90% | 12.18% | 2.08% |
| Q2 2025 | 13.68% | 13.68% | 14.93% | 12.36% | 2.15% |
| Q3 2025 | 13.78% | 13.78% | 15.03% | 12.40% | 1.97% |
| Q4 2025 | 13.78% | 13.78% | 15.03% | 12.37% | 1.91% |
| Q1 2026 | 13.77% | 13.77% | 15.03% | 12.67% | 2.26% |
| Q2 2026 | 14.14% | 14.14% | 15.39% | 12.62% | 2.26% |
Freedom Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35221) · FFIEC NIC profile (RSSD 2858492)