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%.
In Q2 2026, Retained earnings edged up by 2.3%, from $12.0M to $12.3M, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.15% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.7M |
| Tier 1 capital | $36.7M |
| Total risk-based capital | — |
| Total equity capital | $37.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.53% |
| Tangible equity to tangible assets | 11.99% |
| Equity capital to average assets | 12.43% |
| Internal capital growth rate | 2.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $225K |
| Common stock surplus | $26.0M |
| Retained earnings | $12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$800K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 18.44% | 17.63% | 16.70% |
| Q4 2023 | 15.93% | 16.73% | 15.86% |
| Q1 2024 | 13.82% | 14.70% | 13.93% |
| Q2 2024 | 14.26% | 14.52% | 13.78% |
| Q3 2024 | 13.92% | 14.22% | 13.51% |
| Q4 2024 | 13.59% | 13.58% | 12.93% |
| Q1 2025 | 13.21% | 13.59% | 12.96% |
| Q2 2025 | 13.42% | 13.87% | 13.26% |
| Q3 2025 | 13.10% | 12.94% | 12.38% |
| Q4 2025 | 11.97% | 12.41% | 11.85% |
| Q1 2026 | 12.09% | 12.44% | 11.90% |
| Q2 2026 | 12.15% | 12.53% | 11.99% |
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 17881) · FFIEC NIC profile (RSSD 432058)