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 Alamo, TX 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 | 1.03% | 1.35% | -0.32% | 35th below |
| ROAE | 8.25% | 12.06% | -3.81% | 27th below |
| Net Interest Margin | 4.05% | 3.90% | +0.15% | 56th above |
| Efficiency Ratio | 74.58% | 63.14% | +11.44% | 20th bottom |
| PPNR / Avg Assets | 1.03% | 1.64% | -0.61% | 22nd bottom |
| Yield on Earning Assets | 6.69% | 5.65% | +1.04% | 91st top |
| Cost of Funds | 2.77% | 1.85% | +0.92% | 9th bottom |
| Net Interest Spread | 3.21% | 3.35% | -0.14% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.92% | -0.75% | 66th above |
| NPA / Total Assets | 0.13% | 0.67% | -0.54% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 730.10% | 1645.53% | -915.43% | 78th top |
| Texas Ratio | 1.01% | 7.15% | -6.14% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.15% | 12.46% | -0.31% | 67th above |
| Equity / Assets | 12.53% | 11.67% | +0.86% | 75th top |
| TCE / Tangible Assets | 11.99% | 11.40% | +0.59% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.57% | 78.65% | -9.08% | 71st above |
| Core Deposit Ratio | 76.12% | 87.10% | -10.98% | 10th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.98% | 5.11% | -0.13% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.88% | 6.47% | +3.41% | 82nd top |
| Loan Growth (Y/Y) | 2.50% | 7.64% | -5.14% | 34th below |
| Deposit Growth (Y/Y) | 12.43% | 6.02% | +6.41% | 88th 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.