Freedom Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freedom Bank of Maywood, NJ against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.35% | -0.37% | 32nd below |
| ROAE | 10.10% | 12.05% | -1.95% | 36th below |
| Net Interest Margin | 3.18% | 3.90% | -0.72% | 15th bottom |
| Efficiency Ratio | 61.17% | 63.15% | -1.98% | 50th above |
| PPNR / Avg Assets | 1.24% | 1.64% | -0.40% | 30th below |
| Yield on Earning Assets | 6.27% | 5.65% | +0.62% | 79th top |
| Cost of Funds | 3.35% | 1.84% | +1.51% | 2nd bottom |
| Net Interest Spread | 2.53% | 3.35% | -0.82% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.92% | -0.64% | 59th above |
| NPA / Total Assets | 0.25% | 0.67% | -0.42% | 55th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.61% | 1.28% | -0.67% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 216.88% | 1645.75% | -1428.87% | 50th above |
| Texas Ratio | 2.37% | 7.15% | -4.78% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.95% | 20.84% | -8.89% | 17th bottom |
| Tier 1 Ratio | 11.95% | 20.87% | -8.92% | 17th bottom |
| Total Capital Ratio | 12.62% | 21.94% | -9.32% | 13th bottom |
| Leverage Ratio | 9.78% | 12.46% | -2.68% | 27th below |
| Equity / Assets | 9.87% | 11.67% | -1.80% | 42nd below |
| TCE / Tangible Assets | 9.87% | 11.40% | -1.53% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.65% | 78.63% | +25.02% | 7th bottom |
| Core Deposit Ratio | 73.78% | 87.10% | -13.32% | 8th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.74% | 5.11% | -0.37% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.48% | 6.47% | +2.01% | 77th top |
| Loan Growth (Y/Y) | 8.25% | 7.64% | +0.61% | 66th above |
| Deposit Growth (Y/Y) | 9.07% | 6.02% | +3.05% | 80th top |
See Freedom Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freedom Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Freedom Bank profile, how to read a UBPR, or how this data updates.