| Metric | First Freedom Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +6.0% | +4.3% | +1.7 pts |
| Loan growth (YoY) | +11.5% | +5.3% | +6.2 pts |
| ROA | 1.99% | 1.28% | +0.7 pts |
| ROE | 16.4% | 12.4% | +4.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $817.8M | $710.0M | $680.0M | $99.6M | $7.9M | 1.99% | 4.18% | 0.40% |
| Q1 2026 | $781.1M | $676.7M | $647.1M | $96.3M | $4.7M | 2.41% | 4.16% | 0.44% |
| Q4 2025 | $777.4M | $666.1M | $641.9M | $92.0M | $11.2M | 1.47% | 3.91% | 0.07% |
| Q3 2025 | $732.8M | $623.1M | $610.3M | $88.9M | $8.1M | 1.43% | 3.86% | 0.08% |
| Q2 2025 | $761.8M | $669.7M | $609.9M | $85.7M | $4.9M | 1.28% | 3.74% | 0.08% |
| Q1 2025 | $769.7M | $680.1M | $587.8M | $83.2M | $2.1M | 1.10% | 3.52% | 0.07% |
| Q4 2024 | $769.7M | $682.3M | $588.2M | $81.0M | $10.0M | 1.41% | 3.78% | 0.02% |
| Q3 2024 | $734.8M | $648.3M | $583.4M | $80.2M | $7.4M | 1.42% | 3.85% | 0.18% |
Loan mix (Q2 2026): real estate $523.3M · commercial $120.3M · consumer $28.4M · securities $24.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.2% | 61.2% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 3 counties across 1 state (+0 vs 2024) · $669.7M branch deposits. Biggest market: Wilson, TN, ranked 3rd with 8.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wilson, TN | 3 | $423.6M | 8.55% | 3rd |
| Putnam, TN | 2 | $136.6M | 3.88% | 9th |
| Jackson, TN | 1 | $109.5M | 51.03% | 1st |
Tennessee: 65th with 0.26% · Nashville-Davidson--Murfreesboro--Franklin metro: 32nd, 0.41% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6