Freedom Financial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Risk-weighted assets edged down by 1.6%, from $244.7M to $240.8M, the largest move among the key lines here. Freedom Financial Bank has the 5th lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Freedom Financial Bank sits 4.71 points lower, at 10.36% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.36% |
| Tier 1 risk-based capital ratio | 10.36% |
| Total risk-based capital ratio | 11.62% |
| Tier 1 leverage ratio | 9.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $25.0M |
| Tier 1 capital | $25.0M |
| Total risk-based capital | $28.0M |
| Total equity capital | $25.0M |
| Risk-weighted assets | $240.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.33% |
| Internal capital growth rate | -0.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.6M |
| Common stock surplus | $6.6M |
| Retained earnings | $11.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $65K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.02% | 10.02% | 11.11% | 8.87% | $224.7M |
| Q4 2023 | 9.99% | 9.99% | 11.08% | 9.10% | $229.4M |
| Q1 2024 | 10.09% | 10.09% | 11.17% | 8.73% | $235.6M |
| Q2 2024 | 9.86% | 9.86% | 10.92% | 8.99% | $242.5M |
| Q3 2024 | 9.96% | 9.96% | 11.06% | 9.01% | $238.6M |
| Q4 2024 | 10.11% | 10.11% | 11.24% | 9.34% | $237.5M |
| Q1 2025 | 10.34% | 10.34% | 11.47% | 9.22% | $239.4M |
| Q2 2025 | 10.27% | 10.27% | 11.42% | 9.36% | $239.8M |
| Q3 2025 | 10.30% | 10.30% | 11.48% | 9.25% | $238.3M |
| Q4 2025 | 10.00% | 10.00% | 11.25% | 9.22% | $247.0M |
| Q1 2026 | 10.22% | 10.22% | 11.47% | 9.16% | $244.7M |
| Q2 2026 | 10.36% | 10.36% | 11.62% | 9.30% | $240.8M |
Freedom Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Financial Bank, freeSource: Call Report Schedule RC-R, 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35031) · FFIEC NIC profile (RSSD 2735137)