Freedom Bank (Alamo, TX)
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Data as of · sourced from FFIEC call reports. How we update
Freedom Bank is an FDIC-insured commercial bank headquartered in Alamo, TX, established in 1958 (FDIC certificate 17881), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $301.2M, up 9.9% from Q2 2025, the 213th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.15% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17881
- Headquarters
- Alamo, TX
- Established
- 1958
- Total assets, Q2 2026
- $301.2M
- Assets vs Q2 2025
- +9.9%
- Tier 1 leverage ratio, Q2 2026
- 12.15%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 114923329
- Holding company
- AOB VENTURES, INC.
- Asset rank in state
- 213th of 346 in Texas
Freedom Bank pays more for its money than most banks of its size. Based in Alamo, Texas, it had $301 million in assets at June 30, 2026, up 9.9% from a year earlier. It pays an average of 2.77% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 12.4% over the year, about triple the median of 4.0% for banks its size.
Earnings fell sharply: quarterly net income of $779,000 was 59% below a year earlier. Over the same year, loans grew 2.5% and deposits grew 12.4%. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Freedom Bank reported a return on assets of 1.03%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.01%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Freedom Bank is the 213th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $301.2M, loans fell 0.6% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 23.7% of total loans, ahead of commercial and industrial loans at 15.8%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Alamo office books 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Freedom Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 533 N Alamo Rd, Alamo, TX 78516
- County
- Hidalgo
- Metro Area
- McAllen-Edinburg-Mission, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 12, 1958
- Former names
- Brush Country Bank (1974-2019)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $246.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $303.7M
- Average total loans
- $171.3M
- Average interest-bearing deposits
- $191.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 1958
- FDIC Cert
- 17881
- Fed RSSD
- 432058
- Website
- www.freedombanktexas.com →
- Parent Holding Company
- AOB VENTURES, INC. (RSSD 5164439)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Freedom Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Freedom Bank's total assets ran between $184.7M (Q3 2023) and $303.8M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$301.2M total assets against $274.1M; $263.5M total liabilities against $236.1M.
$169.3M net loans and leases against $165.3M; $246.4M total deposits against $219.1M.
$75.5M securities against $41.4M; $24.7M cash and balances due against $44.3M.
$4.6M total interest income against $4.4M; $1.8M total interest expense against $1.7M.
$2.8M net interest income against $2.7M.
$364K total noninterest income against $944K; $2.4M total noninterest expense against $1.8M.
$0 provision for credit losses against $66K.
$779K net income against $1.9M.
1.03% return on assets against 2.79%; 4.05% net interest margin against 4.30%.
12.15% tier 1 leverage ratio against 13.42%.
Inside the full Freedom Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFreedom Bank rankings
Its closest position to the top of a national ranking is 2,452 of 4,196, for total assets; its furthest is 3,024 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2025) to 2.79% (Q2 2025) and its net interest margin ran from 3.98% (Q1 2025) to 4.30% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.15% | 1.03% | 0.17% | 1.01% | 4.05% |
| Q1 2026 | 12.09% | 1.38% | 0.20% | 1.15% | 4.02% |
| Q4 2025 | 11.97% | 0.87% | 0.00% | 2.19% | 4.03% |
| Q3 2025 | 13.10% | 1.32% | 0.15% | 2.57% | 4.18% |
| Q2 2025 | 13.42% | 2.79% | 0.40% | 4.87% | 4.30% |
| Q1 2025 | 13.21% | 1.33% | 0.65% | 2.85% | 3.98% |
| Q4 2024 | 13.59% | 1.80% | 0.42% | 1.87% | 4.15% |
| Q3 2024 | 13.92% | 1.16% | 0.00% | 0.00% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Freedom Bank (main office) | Alamo , TX | 78516 | $121.7M |
| Freer Branch | Freer , TX | 78357 | $52.1M |
| Mcallen Office Branch | Mcallen , TX | 78504 | $48.0M |
| Edinburg North Branch | Edinburg , TX | 78542 | $11.7M |
| Freedom Bank - San Diego Branch | San Diego , TX | 78384 | $6.8M |
| Freedom Bank - Mission Branch | Mission , TX | 78572 | $6.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 1996 | Structure Change | Acquired Brush Country Holding Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 269 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Freedom Bank
What are Freedom Bank's total assets?
As of the Q2 2026 filing, Freedom Bank reported total assets of $301.2 million in its FFIEC call report.
Where is Freedom Bank headquartered?
It is headquartered in Alamo, TX, United States.
When was Freedom Bank founded?
It was established in 1958, per the FDIC institution directory.
Is Freedom Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Freedom Bank?
Freedom Bank's primary federal regulator is the FDIC.
How many branches does Freedom Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Freedom Bank's Texas Ratio?
Its Texas Ratio is 1.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Freedom Bank previously called?
The charter now named Freedom Bank has also operated as Brush Country Bank (1974-2019), per FDIC structure-change records.
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