Freedombank: 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.
Reserve coverage of non-performing loans climbed 217.35 percentage points in Q2 2026, from 211.60% to 428.95%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Freedombank is 164th of 225 on return on assets, 1.12% as of Q2 2026. Freedombank reported 1.12% on return on assets for Q2 2026, 0.14 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.15% |
| Tier 1 risk-based capital ratio | 14.15% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 10.70% |
| Equity capital to assets | 11.27% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.27% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 428.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 10.06% |
| Net interest margin | 3.38% |
| Efficiency ratio | 63.48% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.94% |
| Core deposits to total deposits | 92.17% |
| Brokered deposits to total deposits | 0.27% |
| Deposits to assets | 84.80% |
| Securities to assets | 15.19% |
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 | 15.05% | 15.05% | 16.21% | 10.70% | 0.72% |
| Q4 2023 | 13.18% | 13.18% | 14.27% | 9.88% | 0.88% |
| Q1 2024 | 13.21% | 13.21% | 14.32% | 9.93% | 0.58% |
| Q2 2024 | 13.89% | 13.89% | 15.04% | 9.99% | 0.94% |
| Q3 2024 | 14.01% | 14.01% | 15.17% | 10.32% | 0.69% |
| Q4 2024 | 13.64% | 13.64% | 14.79% | 9.86% | 1.01% |
| Q1 2025 | — | — | — | 9.99% | 1.01% |
| Q2 2025 | 13.36% | 13.36% | 14.43% | 10.08% | 1.09% |
| Q3 2025 | 13.52% | 13.52% | 14.64% | 10.22% | 1.14% |
| Q4 2025 | 13.28% | 13.28% | 14.40% | 10.00% | 1.51% |
| Q1 2026 | 14.03% | 14.03% | 15.21% | 10.33% | 1.32% |
| Q2 2026 | 14.15% | 14.15% | 15.32% | 10.70% | 1.12% |
Freedombank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedombank, 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 Freedombank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11767) · FFIEC NIC profile (RSSD 652043)