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%.
Compared with Q1 2026, Equity capital to total assets rose 0.42 percentage points in Q2 2026 to 9.87%, the biggest move on this page. Freedom Bank ranks 32nd of 37 New Jersey banks on CET1 ratio, in the lower half at 11.95% (Q2 2026). Freedom Bank reported 11.95% on CET1 ratio for Q2 2026, 3.12 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 12.62% |
| Tier 1 leverage ratio | 9.78% |
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 | $82.8M |
| Tier 1 capital | $82.8M |
| Total risk-based capital | $87.4M |
| Total equity capital | $82.8M |
| Risk-weighted assets | $693.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 9.78% |
| Internal capital growth rate | 9.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.2M |
| Common stock surplus | $28.1M |
| Retained earnings | $46.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29K |
| 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 | 13.06% | 13.06% | 13.80% | 10.72% | $562.0M |
| Q4 2023 | 12.88% | 12.88% | 13.63% | 10.55% | $576.5M |
| Q1 2024 | 12.58% | 12.58% | 13.32% | 10.30% | $584.4M |
| Q2 2024 | 12.26% | 12.26% | 12.97% | 10.05% | $606.2M |
| Q3 2024 | 12.33% | 12.33% | 13.04% | 9.73% | $611.0M |
| Q4 2024 | 12.51% | 12.51% | 13.23% | 9.91% | $610.2M |
| Q1 2025 | 12.24% | 12.24% | 12.95% | 10.01% | $620.8M |
| Q2 2025 | 12.26% | 12.26% | 12.96% | 9.94% | $629.2M |
| Q3 2025 | 12.00% | 12.00% | 12.70% | 9.90% | $653.7M |
| Q4 2025 | 11.90% | 11.90% | 12.59% | 9.57% | $668.5M |
| Q1 2026 | 11.82% | 11.82% | 12.50% | 9.56% | $684.7M |
| Q2 2026 | 11.95% | 11.95% | 12.62% | 9.78% | $693.0M |
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 58712) · FFIEC NIC profile (RSSD 3729124)