The Freedom Bank of Virginia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Freedom Bank of Virginia of Fairfax, VA against its peer group of 931 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 | 0.29% | 1.46% | -1.17% | 5th bottom |
| ROAE | 2.96% | 12.72% | -9.76% | 5th bottom |
| Net Interest Margin | 2.95% | 3.85% | -0.90% | 13th bottom |
| Efficiency Ratio | 81.77% | 57.40% | +24.37% | 6th bottom |
| PPNR / Avg Assets | 0.55% | 1.88% | -1.33% | 5th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.72% | -0.09% | 56th above |
| Cost of Funds | 2.79% | 2.02% | +0.77% | 12th bottom |
| Net Interest Spread | 2.28% | 3.18% | -0.90% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.26% | 1.00% | +2.26% | 4th bottom |
| NPA / Total Assets | 2.51% | 0.76% | +1.75% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 32nd below |
| ACL / Total Loans | 1.04% | 1.31% | -0.27% | 35th below |
| ACL / NPLs (Coverage) | 31.76% | 543.56% | -511.80% | 3rd bottom |
| Texas Ratio | 23.20% | 7.38% | +15.82% | 5th bottom |
| Provision / NCO | 8.82% | 618.89% | -610.07% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.66% | 17.34% | -3.68% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.66% | 17.37% | -3.71% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.63% | 18.42% | -3.79% | 50th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.06% | 11.44% | -0.38% | 62nd above |
| Equity / Assets | 10.03% | 11.34% | -1.31% | 43rd below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.02% | 10.50% | -0.48% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.86% | 86.95% | +1.91% | 49th below |
| Core Deposit Ratio | 72.75% | 85.56% | -12.81% | 11th bottom |
| Uninsured Deposit Ratio | 24.89% | 33.13% | -8.24% | 72nd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.34% | 5.70% | -1.36% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.14% | 9.69% | -12.83% | 6th bottom |
| Loan Growth (Y/Y) | 4.07% | 8.06% | -3.99% | 41st below |
| Deposit Growth (Y/Y) | -4.81% | 7.87% | -12.68% | 5th bottom |
See The Freedom Bank of Virginia's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Freedom Bank of Virginia, 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 The Freedom Bank of Virginia profile, how to read a UBPR, or how this data updates.