Freedom Bank, Inc.: 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): 16.45 percentage points higher than in Q1 2026, at 239.21%. Within West Virginia, Freedom Bank, Inc. is 23rd of 41 on loan-to-deposit ratio, 82.27% 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, Inc. reported 82.27% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $313.0M |
| Net loans and leases | $310.0M |
| Loans held for sale | $0 |
| Loans to total assets | 72.84% |
| Loan-to-deposit ratio | 82.27% |
| Net loans to equity capital | 6.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.69% |
| Multifamily (5+ residential) | 5.37% |
| Commercial and industrial | 6.48% |
| Consumer | 3.66% |
| Credit cards | 0.00% |
| Farm | 0.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 239.21% |
| Construction concentration (Tier 1 capital + allowance) | 32.93% |
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 | 6.94% |
| Interest income on loans | $5.3M |
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 | $141.2M | $182.4M | 22.76% | 8.15% | 6.46% |
| Q4 2023 | $139.2M | $177.6M | 22.49% | 7.78% | 6.34% |
| Q1 2024 | $138.2M | $177.9M | 22.77% | 6.75% | 6.14% |
| Q2 2024 | $134.8M | $188.1M | 20.99% | 6.86% | 5.96% |
| Q3 2024 | $133.1M | $183.5M | 21.18% | 6.74% | 5.65% |
| Q4 2024 | $131.7M | $182.0M | 21.89% | 6.72% | 5.45% |
| Q1 2025 | $130.1M | $187.4M | 22.73% | 5.35% | 4.93% |
| Q2 2025 | $126.1M | $184.5M | 21.72% | 3.86% | 4.98% |
| Q3 2025 | $123.1M | $184.6M | 21.62% | 3.88% | 5.00% |
| Q4 2025 | $296.0M | $374.5M | 33.11% | 5.53% | 4.13% |
| Q1 2026 | $298.9M | $371.9M | 34.84% | 5.57% | 3.91% |
| Q2 2026 | $313.0M | $380.4M | 35.69% | 6.48% | 3.66% |
Freedom Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15664) · FFIEC NIC profile (RSSD 629522)