| Metric | Freedom Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +12.4% | +4.0% | +8.5 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $301.2M | $246.4M | $169.3M | $37.7M | $1.8M | 1.21% | 4.11% | 0.13% |
| Q1 2026 | $303.8M | $249.0M | $170.3M | $37.8M | $1.0M | 1.38% | 4.07% | 0.14% |
| Q4 2025 | $301.6M | $247.0M | $172.9M | $37.4M | $4.4M | 1.55% | 4.14% | 0.27% |
| Q3 2025 | $299.4M | $243.5M | $171.2M | $38.8M | $3.7M | 1.79% | 4.15% | 0.33% |
| Q2 2025 | $274.1M | $219.1M | $165.3M | $38.0M | $2.8M | 2.07% | 4.18% | 0.67% |
| Q1 2025 | $268.3M | $214.8M | $158.4M | $36.5M | $879K | 1.32% | 4.00% | 0.39% |
| Q4 2024 | $262.6M | $210.0M | $155.4M | $35.7M | $2.9M | 1.25% | 4.24% | 0.25% |
| Q3 2024 | $243.0M | $192.4M | $157.8M | $34.6M | $1.8M | 1.06% | 4.30% | 0.00% |
Loan mix (Q2 2026): real estate $140.9M · commercial $27.0M · consumer $2.6M · securities $75.5M
| Ratio | Freedom Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 62.9% | 78th |
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 | 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 | 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 | 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 | 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 | 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 2 counties across 1 state (+1 vs 2025) · $246.4M branch deposits. Biggest market: Hidalgo, TX, ranked 16th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hidalgo, TX | 4 | $187.5M | 1.02% | 16th |
| Duval, TX | 2 | $58.9M | 43.40% | 2nd |
Texas: 367th with 0.01% · McAllen-Edinburg-Mission metro: 16th, 1.02% ·
Branch count: 2022 3 · 2023 4 · 2024 4 · 2025 5 · 2026 6
Technology spend up 26% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).