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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 12.73 percentage points lower than in Q1 2026, at 149.34%. Within Texas, Freedom Bank is 192nd of 346 on loan-to-deposit ratio, 69.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Freedom Bank sits 11.27 points lower, at 69.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $171.4M |
| Net loans and leases | $169.3M |
| Loans held for sale | $0 |
| Loans to total assets | 56.90% |
| Loan-to-deposit ratio | 69.57% |
| Net loans to equity capital | 4.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.11% |
| Multifamily (5+ residential) | 9.57% |
| Commercial and industrial | 15.76% |
| Consumer | 1.53% |
| Credit cards | 0.00% |
| Farm | 9.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.34% |
| Construction concentration (Tier 1 capital + allowance) | 61.01% |
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 | 8.26% |
| Interest income on loans | $3.5M |
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 | $120.2M | $150.8M | 36.73% | 12.90% | 1.39% |
| Q4 2023 | $132.5M | $163.2M | 35.71% | 12.59% | 1.30% |
| Q1 2024 | $142.3M | $177.3M | 32.03% | 14.58% | 1.62% |
| Q2 2024 | $148.7M | $183.1M | 32.14% | 14.80% | 1.40% |
| Q3 2024 | $159.5M | $192.4M | 32.54% | 16.34% | 1.43% |
| Q4 2024 | $157.2M | $210.0M | 33.09% | 15.79% | 1.46% |
| Q1 2025 | $160.3M | $214.8M | 32.72% | 15.64% | 1.41% |
| Q2 2025 | $167.2M | $219.1M | 37.61% | 15.85% | 1.46% |
| Q3 2025 | $173.2M | $243.5M | 36.58% | 15.98% | 1.30% |
| Q4 2025 | $174.9M | $247.0M | 34.19% | 15.32% | 1.36% |
| Q1 2026 | $172.5M | $249.0M | 33.64% | 15.78% | 1.34% |
| Q2 2026 | $171.4M | $246.4M | 34.11% | 15.76% | 1.53% |
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 17881) · FFIEC NIC profile (RSSD 432058)