Freedom Bank, Inc.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 53.91 percentage points lower than in Q1 2026, at 256.36%. Within West Virginia, Freedom Bank, Inc. is 7th of 41 on return on assets, 1.64% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Freedom Bank, Inc. sits 0.39 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.40% |
| Equity capital to assets | 10.75% |
| Tangible equity to tangible assets | 10.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.60% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 256.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 15.32% |
| Net interest margin | 4.79% |
| Efficiency ratio | 56.20% |
| Yield on earning assets | 6.15% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.27% |
| Core deposits to total deposits | 96.67% |
| Brokered deposits to total deposits | 1.32% |
| Deposits to assets | 88.53% |
| Securities to assets | 17.81% |
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 | 10.30% | 0.92% | 3.67% | 0.37% | 0.01% |
| Q4 2023 | 10.83% | 1.27% | 3.71% | 0.25% | -0.00% |
| Q1 2024 | 11.02% | 0.94% | 3.64% | 0.20% | 0.19% |
| Q2 2024 | 10.48% | 0.89% | 3.68% | 0.34% | 0.01% |
| Q3 2024 | 10.73% | 0.92% | 3.77% | 0.68% | 0.14% |
| Q4 2024 | 11.31% | 1.16% | 4.09% | 0.52% | 0.69% |
| Q1 2025 | 11.68% | 1.00% | 3.82% | 0.73% | -0.02% |
| Q2 2025 | 11.95% | 1.08% | 4.07% | 0.45% | -0.01% |
| Q3 2025 | 12.11% | 1.03% | 3.97% | 0.25% | 0.49% |
| Q4 2025 | 11.17% | 3.35% | 4.47% | 0.32% | 0.02% |
| Q1 2026 | 11.37% | 1.32% | 4.70% | 0.31% | 0.01% |
| Q2 2026 | 11.40% | 1.64% | 4.79% | 0.38% | 0.02% |
Freedom Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
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