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.
Reserve coverage of non-performing loans dropped 2.08 percentage points in Q2 2026, from 732.18% to 730.10%. It was the largest change from Q1 2026 among the key lines here. Freedom Bank ranks 261st of 345 Texas banks on return on assets, in the lower half at 1.03% (Q2 2026). Freedom Bank reported 1.03% on return on assets for Q2 2026, 0.23 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.15% |
| Equity capital to assets | 12.53% |
| Tangible equity to tangible assets | 11.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.01% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 730.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 8.25% |
| Net interest margin | 4.05% |
| Efficiency ratio | 74.58% |
| Yield on earning assets | 6.69% |
| Cost of funds | 2.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.57% |
| Core deposits to total deposits | 76.12% |
| Brokered deposits to total deposits | 0.37% |
| Deposits to assets | 81.80% |
| Securities to assets | 25.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.44% | 12.35% | 3.94% | 0.00% | 0.03% |
| Q4 2023 | 15.93% | -2.24% | 4.10% | 0.00% | 0.03% |
| Q1 2024 | 13.82% | 1.00% | 4.30% | 0.00% | 0.01% |
| Q2 2024 | 14.26% | 1.00% | 4.32% | 0.10% | 0.01% |
| Q3 2024 | 13.92% | 1.16% | 4.15% | 0.00% | 0.02% |
| Q4 2024 | 13.59% | 1.80% | 4.15% | 0.42% | 0.01% |
| Q1 2025 | 13.21% | 1.33% | 3.98% | 0.65% | 0.04% |
| Q2 2025 | 13.42% | 2.79% | 4.30% | 0.40% | 0.03% |
| Q3 2025 | 13.10% | 1.32% | 4.18% | 0.15% | 0.07% |
| Q4 2025 | 11.97% | 0.87% | 4.03% | 0.00% | 0.11% |
| Q1 2026 | 12.09% | 1.38% | 4.02% | 0.17% | -0.05% |
| Q2 2026 | 12.15% | 1.03% | 4.05% | 0.17% | 0.01% |
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 17881) · FFIEC NIC profile (RSSD 432058)