Freedom Bank, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.40% +2.40 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $48.3M | 48,330 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $423.9M | 423,947 | RCOAA224 |
| Recomputed ratio | 11.40% | numerator / denominator | |
| Filed ratio | 11.40% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.40 pp | $10.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 5,867 | 5,867 | 5,867 | 5,867 | 5,867 | 5,867 | RCOAP742 |
| Retained earnings | 44,997 | 44,206 | 42,823 | 19,216 | 18,681 | 18,130 | RCOAKW00 |
| Accumulated other comprehensive income | (4,684) | (4,942) | (4,363) | (4,736) | (5,879) | (5,224) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 46,180 | 45,131 | 44,327 | 20,347 | 18,669 | 18,773 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,150 | 2,250 | 1,513 | 4,736 | 5,879 | 5,224 | P859 - P840 |
| Common equity Tier 1 capital | 48,330 | 47,381 | 45,840 | 25,083 | 24,548 | 23,997 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 48,330 | 47,381 | 45,840 | 25,083 | 24,548 | 23,997 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 423,947 | 416,751 | 410,554 | 207,170 | 205,354 | 205,539 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.40% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.37% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.17% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 12.11% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.95% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.31% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.73% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.48% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.02% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.83% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.30% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Freedom Bank, Inc. (this bank) | CBLR | NA | NA | NA | 11.40% | |
| Bank of the Lowcountry | $430.2M | Risk-based | 11.64% | 11.64% | 12.66% | 9.25% |
| Peoples State Bank of Plainview | $429.1M | Risk-based | 12.96% | 12.96% | 14.18% | 8.87% |
| Maquoketa State Bank | $429.0M | CBLR | NA | NA | NA | 16.45% |
| SSB Bank | $430.4M | Risk-based | 11.68% | 11.68% | 12.92% | 7.75% |
| The First National Bank of Monterey | $430.5M | CBLR | NA | NA | NA | 13.13% |
| Exchange Bank and Trust Company | $428.7M | Risk-based | 14.69% | 14.69% | 16.04% | 10.75% |
| State Savings Bank | $431.2M | CBLR | NA | NA | NA | 8.79% |
| Coffee County Bank | $427.6M | Risk-based | 11.78% | 11.78% | 13.04% | 9.65% |
| The Union State Bank of Everest | $427.3M | Risk-based | 13.37% | 13.37% | 14.62% | 9.99% |
| The Citizens Bank of Edmond | $432.4M | Risk-based | 11.18% | 11.18% | 12.22% | 8.50% |
| Peer 25th percentile | 11.66% | 11.66% | 12.79% | 8.81% | ||
| Peer median | 11.78% | 11.78% | 13.04% | 9.45% | ||
| Peer 75th percentile | 13.17% | 13.17% | 14.40% | 10.56% | ||
| This bank's percentile | NA | NA | NA | 80 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/629522/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.