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.
Construction concentration (tier 1 capital + allowance) climbed 9.08 percentage points in Q2 2026, from 93.32% to 102.40%. It was the largest change from Q1 2026 among the key lines here. Freedom Bank ranks 9th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 103.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Freedom Bank sits 22.81 points higher, at 103.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $737.5M |
| Net loans and leases | $733.0M |
| Loans held for sale | $0 |
| Loans to total assets | 87.97% |
| Loan-to-deposit ratio | 103.65% |
| Net loans to equity capital | 8.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.73% |
| Multifamily (5+ residential) | 22.61% |
| Commercial and industrial | 0.46% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 575.86% |
| Construction concentration (Tier 1 capital + allowance) | 102.40% |
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 | 6.59% |
| Interest income on loans | $12.1M |
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 | $616.7M | $542.3M | 40.81% | 0.59% | 0.00% |
| Q4 2023 | $636.9M | $555.0M | 40.61% | 0.56% | 0.00% |
| Q1 2024 | $642.5M | $592.6M | 40.13% | 0.49% | 0.00% |
| Q2 2024 | $662.2M | $601.4M | 41.86% | 0.48% | 0.00% |
| Q3 2024 | $670.1M | $638.8M | 40.74% | 0.34% | 0.00% |
| Q4 2024 | $667.2M | $644.8M | 41.15% | 0.35% | 0.00% |
| Q1 2025 | $674.9M | $655.0M | 41.82% | 0.32% | 0.00% |
| Q2 2025 | $681.3M | $652.4M | 41.39% | 0.26% | 0.00% |
| Q3 2025 | $705.5M | $671.5M | 41.58% | 0.24% | 0.00% |
| Q4 2025 | $720.8M | $707.0M | 42.75% | 0.23% | 0.00% |
| Q1 2026 | $732.1M | $730.0M | 42.42% | 0.21% | 0.00% |
| Q2 2026 | $737.5M | $711.5M | 43.73% | 0.46% | 0.00% |
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 58712) · FFIEC NIC profile (RSSD 3729124)