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: 12.78 percentage points lower than in Q1 2026, at 216.88%. Within New Jersey, Freedom Bank is 16th of 49 on return on assets, 0.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Freedom Bank sits 0.27 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 12.62% |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.37% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 216.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 10.10% |
| Net interest margin | 3.18% |
| Efficiency ratio | 61.17% |
| Yield on earning assets | 6.27% |
| Cost of funds | 3.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.65% |
| Core deposits to total deposits | 73.78% |
| Brokered deposits to total deposits | 0.70% |
| Deposits to assets | 84.88% |
| Securities to assets | 5.41% |
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 | 13.06% | 13.06% | 13.80% | 10.72% | 0.79% |
| Q4 2023 | 12.88% | 12.88% | 13.63% | 10.55% | 0.62% |
| Q1 2024 | 12.58% | 12.58% | 13.32% | 10.30% | 0.36% |
| Q2 2024 | 12.26% | 12.26% | 12.97% | 10.05% | 0.43% |
| Q3 2024 | 12.33% | 12.33% | 13.04% | 9.73% | 0.59% |
| Q4 2024 | 12.51% | 12.51% | 13.23% | 9.91% | 0.67% |
| Q1 2025 | 12.24% | 12.24% | 12.95% | 10.01% | 0.54% |
| Q2 2025 | 12.26% | 12.26% | 12.96% | 9.94% | 0.69% |
| Q3 2025 | 12.00% | 12.00% | 12.70% | 9.90% | 0.78% |
| Q4 2025 | 11.90% | 11.90% | 12.59% | 9.57% | 0.64% |
| Q1 2026 | 11.82% | 11.82% | 12.50% | 9.56% | 0.77% |
| Q2 2026 | 11.95% | 11.95% | 12.62% | 9.78% | 0.98% |
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 58712) · FFIEC NIC profile (RSSD 3729124)