Freedombank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Equity capital to total assets rose 0.47 percentage points in Q2 2026 to 11.27%, the biggest move on this page. Within Iowa, Freedombank is 54th of 114 on CET1 ratio, 14.15% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Freedombank sits 0.93 points lower, at 14.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.15% |
| Tier 1 risk-based capital ratio | 14.15% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 10.70% |
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 | $45.1M |
| Tier 1 capital | $45.1M |
| Total risk-based capital | $48.9M |
| Total equity capital | $48.9M |
| Risk-weighted assets | $319.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.27% |
| Tangible equity to tangible assets | 8.57% |
| Equity capital to average assets | 11.26% |
| Internal capital growth rate | 10.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $78K |
| Common stock surplus | $23.8M |
| Retained earnings | $34.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.1M |
| 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 | 15.05% | 15.05% | 16.21% | 10.70% | $292.6M |
| Q4 2023 | 13.18% | 13.18% | 14.27% | 9.88% | $307.4M |
| Q1 2024 | 13.21% | 13.21% | 14.32% | 9.93% | $311.5M |
| Q2 2024 | 13.89% | 13.89% | 15.04% | 9.99% | $303.7M |
| Q3 2024 | 14.01% | 14.01% | 15.17% | 10.32% | $301.0M |
| Q4 2024 | 13.64% | 13.64% | 14.79% | 9.86% | $302.8M |
| Q1 2025 | — | — | — | 9.99% | — |
| Q2 2025 | 13.36% | 13.36% | 14.43% | 10.08% | $326.4M |
| Q3 2025 | 13.52% | 13.52% | 14.64% | 10.22% | $318.3M |
| Q4 2025 | 13.28% | 13.28% | 14.40% | 10.00% | $320.0M |
| Q1 2026 | 14.03% | 14.03% | 15.21% | 10.33% | $313.1M |
| Q2 2026 | 14.15% | 14.15% | 15.32% | 10.70% | $319.0M |
Freedombank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedombank, 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 Freedombank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11767) · FFIEC NIC profile (RSSD 652043)