Freedom Financial Bank: 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.
Cre concentration (tier 1 capital + allowance) dropped 19.76 percentage points in Q2 2026, from 466.14% to 446.37%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Freedom Financial Bank sits 7th from the top on loan-to-deposit ratio, 109.42% as of Q2 2026. Freedom Financial Bank reported 109.42% on loan-to-deposit ratio for Q2 2026, 28.59 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $225.8M |
| Net loans and leases | $222.4M |
| Loans held for sale | $0 |
| Loans to total assets | 83.88% |
| Loan-to-deposit ratio | 109.42% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.58% |
| Multifamily (5+ residential) | 12.88% |
| Commercial and industrial | 13.82% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 1.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 446.37% |
| Construction concentration (Tier 1 capital + allowance) | 29.94% |
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 | 5.72% |
| Interest income on loans | $3.3M |
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 | $197.0M | $197.8M | 49.61% | 10.62% | 0.17% |
| Q4 2023 | $198.8M | $206.5M | 50.29% | 11.67% | 0.14% |
| Q1 2024 | $204.8M | $207.6M | 48.62% | 11.48% | 0.16% |
| Q2 2024 | $212.9M | $197.8M | 47.36% | 11.07% | 0.09% |
| Q3 2024 | $211.1M | $196.5M | 48.59% | 11.01% | 0.07% |
| Q4 2024 | $216.4M | $197.6M | 47.07% | 12.33% | 0.07% |
| Q1 2025 | $219.1M | $204.3M | 48.01% | 12.61% | 0.12% |
| Q2 2025 | $222.3M | $198.6M | 47.93% | 11.15% | 0.10% |
| Q3 2025 | $223.3M | $198.1M | 54.66% | 11.70% | 0.10% |
| Q4 2025 | $233.8M | $202.0M | 52.98% | 13.79% | 0.08% |
| Q1 2026 | $230.6M | $199.8M | 53.49% | 13.69% | 0.02% |
| Q2 2026 | $225.8M | $206.4M | 54.58% | 13.82% | 0.02% |
Freedom Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Financial Bank, 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 Freedom Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35031) · FFIEC NIC profile (RSSD 2735137)