BlastPoint's Banking Scorecard

Freedom Bank, Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 15664

Belington, WV

9 branches across WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
Deposits +106.2% year over year ($380.4M on the books).
Delinquency rate 0.36%.
Return on assets 1.48%.
Efficiency ratio 59.21% vs a 64.48% peer average.
Loan-to-deposit ratio 81.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV

View $100M-$1B leaderboard (WV) →

Freedom Bank, Inc. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.15% above tier average
+ Net Interest Margin 0.77% above tier average
+ Efficiency Ratio 5.27% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.9% in tier

Get updates when Freedom Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$429.7M +108.7% YoY +2.2% QoQ	+$43.1M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$310.0M +149.4% YoY +4.7% QoQ	+$51.6M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$380.4M +106.2% YoY +2.3% QoQ	+$53.7M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	1.48% +42.2% YoY +12.5% QoQ	+0.15%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.75% +19.2% YoY +1.1% QoQ	+0.77%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	Top 12.7% in tier
Efficiency Ratio ?	59.21% -13.6% YoY -3.7% QoQ	-5.27%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	0.36% +6.1% YoY +11.4% QoQ	-0.56%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	81.48% +20.9% YoY +2.4% QoQ	+3.53%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	29.71% -23.8% YoY -1.6% QoQ	+7.68%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.27% -27.0% YoY -3.9% QoQ	-0.40%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	11.40% -4.6% YoY +0.3% QoQ	-4.51%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.34% -3.3% YoY +168.9% QoQ	-0.23%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Noninterest-Bearing	29.7% -9.3pp YoY -0.5pp QoQ	+7.6pp	22.1%	27.1%	22.2%	81%
Brokered Deposits	1.3%	-6.5pp	7.9%	3.0%	8.5%	22%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	6.5% +2.6pp YoY +0.9pp QoQ	-5.0pp	11.6%	7.1%	12.5%	30%
CRE	46.9% +21.6pp YoY +1.6pp QoQ	+7.4pp	39.5%	33.8%	41.4%	65%
1-4 Family	40.6% -24.0pp YoY -2.0pp QoQ	+8.0pp	32.6%	52.8%	31.3%	71%
Consumer	3.7% -1.4pp YoY -0.3pp QoQ	-0.4pp	4.1%	7.9%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.1%	19.7%	n/a
Leverage Ratio	11.4% -0.6pp YoY 0.0pp QoQ	-0.8pp	12.2%	11.6%	12.6%	56%
Total Capital Ratio	n/a	n/a	19.9%	18.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	84 +36 (+75.0%) YoY -1 (-1.2%) QoQ	+25	58	161	482	79%
Assets per Employee ($)	$5.1M +19.2% YoY +3.4% QoQ	-$2.4M	$7.5M	$6.1M	$8.8M	16%
Branch Count	9 +4 (+80.0%) YoY 0 QoQ	+4	4	13	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.7%	1.0%	43%
Allowance Coverage	2.72x -37.0% YoY -8.8% QoQ	-21.44x	24.15x	6.60x	20.23x	56%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	13.8% +2.3pp YoY +1.5pp QoQ	+1.7pp	12.2%	10.6%	11.6%	61%
Cost of Funds (YTD)	1.4% +0.7pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.5%	1.7%	29%
Net Income ($, YTD)	$3.1M +193.3% YoY — QoQ	+$577K	$2.6M	$9.0M	$40.4M	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#213 of 1256 • Bottom 16.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.36%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

337

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.99%

#337 of 2643 Top 12.7% in $100M-$1B

499

Non-Interest-Bearing Deposit Share

funding

Value: 29.71%

Peer Median: 22.03%

#499 of 2643 Top 18.8% in $100M-$1B

583

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#583 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available