The Freedom Bank of Virginia: 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): 5.81 percentage points lower than in Q1 2026, at 175.06%. Within Virginia, The Freedom Bank of Virginia is 25th of 56 on loan-to-deposit ratio, 88.86% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Freedom Bank of Virginia reported 88.86% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $777.5M |
| Net loans and leases | $769.4M |
| Loans held for sale | $13.8M |
| Loans to total assets | 74.92% |
| Loan-to-deposit ratio | 88.86% |
| Net loans to equity capital | 7.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.43% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 22.87% |
| Consumer | 2.61% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.06% |
| Construction concentration (Tier 1 capital + allowance) | 10.87% |
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 | 6.22% |
| Interest income on loans | $11.7M |
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 | $759.6M | $928.0M | 50.15% | 22.94% | 3.78% |
| Q4 2023 | $776.4M | $921.1M | 49.62% | 22.85% | 3.59% |
| Q1 2024 | $765.0M | $895.1M | 49.60% | 21.78% | 3.54% |
| Q2 2024 | $779.3M | $881.2M | 47.65% | 21.97% | 3.39% |
| Q3 2024 | $781.4M | $889.7M | 46.97% | 21.35% | 3.34% |
| Q4 2024 | $773.9M | $910.8M | 46.91% | 21.18% | 3.20% |
| Q1 2025 | $758.3M | $911.4M | 46.51% | 20.29% | 3.17% |
| Q2 2025 | $747.1M | $919.2M | 45.62% | 20.15% | 3.10% |
| Q3 2025 | $748.6M | $855.3M | 45.67% | 18.97% | 3.79% |
| Q4 2025 | $766.8M | $915.3M | 44.51% | 22.22% | 2.81% |
| Q1 2026 | $783.0M | $917.9M | 44.59% | 21.85% | 2.68% |
| Q2 2026 | $777.5M | $875.0M | 44.43% | 22.87% | 2.61% |
The Freedom Bank of Virginia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Freedom Bank of Virginia, 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 The Freedom Bank of Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57184) · FFIEC NIC profile (RSSD 3019982)