The Freedom Bank of Virginia
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Data as of · sourced from FFIEC call reports. How we update
The Freedom Bank of Virginia is an FDIC-insured commercial bank headquartered in Fairfax, VA, established in 2001 (FDIC certificate 57184), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.04B, down 3.1% from Q2 2025, the 28th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 13.66% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57184
- Headquarters
- Fairfax, VA
- Established
- 2001
- Total assets, Q2 2026
- $1.04B
- Assets vs Q2 2025
- -3.1%
- CET1 ratio, Q2 2026
- 13.66%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 056009123
- Latest call report
- Q2 2026, FFIEC 051 · The Freedom Bank of Virginia call report
- Holding company
- FREEDOM FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 28th of 56 in Virginia
Problem loans are rising at The Freedom Bank of Virginia. The Fairfax, Virginia bank had $1.0 billion in assets at June 30, 2026, down 3.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.26% of loans from 1.43% a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 82 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Delinquency has appeared in its $202 million non-owner-occupied commercial real estate book: 3.26% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings fell sharply: quarterly net income of $765,000 was 41% below a year earlier. Credit is the area to watch: it carries problem assets equal to 23.2% of the capital and reserves that would absorb them, 6.4 times the median of 3.6% for banks its size.
As of June 30, 2026, The Freedom Bank of Virginia reported a CET1 capital ratio of 13.66%, a return on assets of 0.29%, a nonperforming-loan ratio of 3.26% and a Texas ratio of 23.20%. The figures come from its call report filed with the FFIEC.
The Freedom Bank of Virginia ranks as the 28th largest of the 56 banks based in Virginia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $1.04B, loans fell 0.7% and deposits fell 4.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.9%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in VA; its Fairfax office books 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Freedom Bank of Virginia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10555 Main St, Fairfax, VA 22030
- County
- Fairfax City
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 23, 2001
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $875.0M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $6.4M
- Average total assets
- $1.06B
- Average total loans
- $748.9M
- Average interest-bearing deposits
- $751.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 23, 2001
- FDIC Cert
- 57184
- Fed RSSD
- 3019982
- SEC CIK
- 1896119 → filed by FREEDOM FINANCIAL HOLDINGS, INC.
- Website
- freedom.bank →
- Parent Holding Company
- FREEDOM FINANCIAL HOLDINGS, INC. (RSSD 5624205)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Freedom Bank of Virginia's total assets ranged from $1.03B (Q3 2025) to $1.10B (Q3 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.04B total assets against $1.07B; $933.7M total liabilities against $969.0M.
$769.4M net loans and leases against $739.9M; $875.0M total deposits against $919.2M.
$168.6M securities against $213.2M; $32.4M cash and balances due against $59.7M.
$13.7M total interest income against $14.9M; $6.6M total interest expense against $7.8M.
$7.2M net interest income against $7.1M.
$969K total noninterest income against $1.3M; $6.7M total noninterest expense against $6.1M.
$539K provision for credit losses against $668K.
$765K net income against $1.3M.
0.29% return on assets against 0.47%; 2.95% net interest margin against 2.73%.
13.66% CET1 capital ratio against 14.30%; 11.06% tier 1 leverage ratio against 10.66%.
Inside the full The Freedom Bank of Virginia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Freedom Bank of Virginia rankings
Its closest position to the top of a national ranking is 118 of 3,640, for Texas Ratio; its furthest is 3,405 of 3,611, for ROA.
Metric pages for The Freedom Bank of Virginia: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.23% (Q4 2025) to 0.88% (Q1 2025) and its net interest margin ran from 2.40% (Q3 2024) to 3.10% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 0.29% | 3.26% | 23.20% | 2.95% |
| Q1 2026 | 13.50% | 0.58% | 2.79% | 20.91% | 2.81% |
| Q4 2025 | 13.84% | -1.23% | 3.49% | 24.28% | 2.87% |
| Q3 2025 | 14.64% | 0.57% | 2.05% | 13.59% | 2.77% |
| Q2 2025 | 14.30% | 0.47% | 1.43% | 9.72% | 2.73% |
| Q1 2025 | 14.14% | 0.88% | 1.41% | 9.89% | 3.10% |
| Q4 2024 | 13.57% | 0.57% | 1.77% | 12.98% | 2.53% |
| Q3 2024 | 13.21% | 0.27% | 1.51% | 10.81% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Freedom Bank of Virginia | Fairfax , VA | 22030 | $612.1M |
| Manassas Branch | Manassas , VA | 20109 | $87.1M |
| Maple Ave Branch | Vienna , VA | 22180 | $66.0M |
| Chantilly Branch | Chantilly , VA | 20151 | $49.0M |
| Reston Branch | Reston , VA | 20190 | $31.0M |
| Tysons Branch | Mclean , VA | 22102 | $29.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- May 11, 2015, Federal Reserve: Civil Money Penalty, $2,100: The Freedom Bank of Virginia, Fairfax, Virginia
- Period: Most recent institution action May 11, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in VA, rank 37 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 318 applications, 279 loans originated, $152.0M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $4.8M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Freedom Bank of Virginia
What are The Freedom Bank of Virginia's total assets?
As of the Q2 2026 filing, The Freedom Bank of Virginia reported total assets of $1.04 billion in its FFIEC call report.
Where is The Freedom Bank of Virginia headquartered?
It is headquartered in Fairfax, VA, United States.
When was The Freedom Bank of Virginia founded?
It was established in 2001, per the FDIC institution directory.
Is The Freedom Bank of Virginia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Freedom Bank of Virginia?
The Freedom Bank of Virginia's primary federal regulator is the Federal Reserve.
What is The Freedom Bank of Virginia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Freedom Bank of Virginia operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Freedom Bank of Virginia's Texas Ratio?
Its Texas Ratio is 23.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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