Freedom Bank, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 21.8% in Q2 2026, from $21.1M to $16.5M. It was the largest change from Q1 2026 among the key lines here. Freedom Bank, Inc. ranks 23rd of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 82.27% (Q2 2026). At 82.27%, Freedom Bank, Inc.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.0M |
| Fed funds sold and reverse repos | $281K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.27% |
| Net loans and leases to deposits | 81.48% |
| Loans and leases to core deposits | 85.11% |
| Core deposits to total deposits | 96.67% |
| Brokered deposits to total deposits | 1.32% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 77.42% | 97.91% | $0 | $4.0M |
| Q4 2023 | 78.36% | 97.97% | $0 | $5.5M |
| Q1 2024 | 77.68% | 97.57% | $0 | $5.5M |
| Q2 2024 | 71.64% | 95.01% | $0 | $5.5M |
| Q3 2024 | 72.52% | 94.56% | $0 | $5.5M |
| Q4 2024 | 72.36% | 94.71% | $0 | $0 |
| Q1 2025 | 69.42% | 94.84% | $0 | $0 |
| Q2 2025 | 68.36% | 97.35% | $0 | $0 |
| Q3 2025 | 66.71% | 97.11% | $0 | $0 |
| Q4 2025 | 79.03% | 95.70% | $0 | $0 |
| Q1 2026 | 80.36% | 96.71% | $0 | $0 |
| Q2 2026 | 82.27% | 96.67% | $0 | $0 |
Freedom Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank, Inc., freeSource: Call Report Schedules RC and RC-M, 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15664) · FFIEC NIC profile (RSSD 629522)