Freedom Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freedom Bank, Inc. of Philippi, WV against its peer group of 2603 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 | 1.64% | 1.34% | +0.30% | 71st above |
| ROAE | 15.32% | 13.32% | +2.00% | 68th above |
| Net Interest Margin | 4.79% | 3.93% | +0.86% | 88th top |
| Efficiency Ratio | 56.20% | 61.13% | -4.93% | 66th above |
| PPNR / Avg Assets | 2.12% | 1.68% | +0.44% | 77th top |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 1.45% | 1.88% | -0.43% | 72nd above |
| Net Interest Spread | 4.07% | 3.32% | +0.75% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.94% | -0.56% | 52nd above |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 256.36% | 1546.71% | -1290.35% | 55th above |
| Texas Ratio | 2.60% | 7.34% | -4.74% | 57th above |
| Provision / NCO | 1400.00% | 1394.86% | +5.14% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.40% | 12.14% | -0.74% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.75% | 11.37% | -0.62% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.22% | 11.08% | -0.86% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.27% | 80.66% | +1.61% | 47th below |
| Core Deposit Ratio | 96.67% | 86.85% | +9.82% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 108.67% | 6.80% | +101.87% | 100th top |
| Loan Growth (Y/Y) | 148.17% | 7.86% | +140.31% | 100th top |
| Deposit Growth (Y/Y) | 106.20% | 6.25% | +99.95% | 100th top |
See Freedom Bank, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freedom Bank, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.