Freedom Financial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.96 percentage points lower than in Q1 2026, at 109.42%. Freedom Financial Bank ranks 105th of 225 Iowa banks on return on assets, in the upper half at 1.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Freedom Financial Bank sits 0.19 points higher, at 1.45% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.36% |
| Tier 1 risk-based capital ratio | 10.36% |
| Total risk-based capital ratio | 11.62% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 15.51% |
| Net interest margin | 3.08% |
| Efficiency ratio | 50.19% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.42% |
| Core deposits to total deposits | 68.88% |
| Brokered deposits to total deposits | 15.64% |
| Deposits to assets | 76.66% |
| Securities to assets | 5.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.02% | 10.02% | 11.11% | 8.87% | 1.17% |
| Q4 2023 | 9.99% | 9.99% | 11.08% | 9.10% | 1.29% |
| Q1 2024 | 10.09% | 10.09% | 11.17% | 8.73% | 1.25% |
| Q2 2024 | 9.86% | 9.86% | 10.92% | 8.99% | 1.59% |
| Q3 2024 | 9.96% | 9.96% | 11.06% | 9.01% | 1.28% |
| Q4 2024 | 10.11% | 10.11% | 11.24% | 9.34% | 1.40% |
| Q1 2025 | 10.34% | 10.34% | 11.47% | 9.22% | 1.14% |
| Q2 2025 | 10.27% | 10.27% | 11.42% | 9.36% | 1.38% |
| Q3 2025 | 10.30% | 10.30% | 11.48% | 9.25% | 1.44% |
| Q4 2025 | 10.00% | 10.00% | 11.25% | 9.22% | 1.02% |
| Q1 2026 | 10.22% | 10.22% | 11.47% | 9.16% | 1.22% |
| Q2 2026 | 10.36% | 10.36% | 11.62% | 9.30% | 1.45% |
Freedom Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Financial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)