BlastPoint's Banking Scorecard
Freedom Bank
Designations: ✓ Minority Depository Institution
Alamo, TX
6 branches across TX
Freedom Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 99.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.8M
+13.2% YoY
+0.7% QoQ
|
-$82.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$170.3M
+7.5% YoY
-1.5% QoQ
|
-$85.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$249.0M
+15.9% YoY
+0.8% QoQ
|
-$79.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.38%
+4.2% YoY
-11.0% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
4.07%
+1.8% YoY
-1.6% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
74.88%
+17.2% YoY
+17.7% QoQ
|
+9.60% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.20%
-69.3% YoY
|
-0.69% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
68.41%
-7.3% YoY
-2.3% QoQ
|
-8.23% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
23.28%
-9.3% YoY
+3.5% QoQ
|
+1.26% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.14%
-62.9% YoY
-47.3% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.09%
-8.4% YoY
+1.0% QoQ
|
-3.74% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.08%
-9.1% YoY
-85.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.