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Freedom Bank

$100M-$1B Specialty: Commercial TX FDIC cert 17881

Designations: ✓ Minority Depository Institution

Alamo, TX

6 branches across TX

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 219 in TX.
  • Deposits +12.4% year over year ($246.4M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 1.21%.
  • Efficiency ratio 74.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.71% 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 219 in TX
View $100M-$1B leaderboard (TX) →

Freedom Bank has 2 strengths but faces 3 concerns

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

  • + Net Interest Margin 0.12% above tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 16.3% in tier
  • - NIB Deposit Bleed: Bottom 69.8% in tier
  • - Efficiency Ratio 10.25% above tier average
Get updates when Freedom Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $301.2M
+9.9% YoY -0.8% QoQ
-$85.4M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $169.3M
+2.4% YoY -0.6% QoQ
-$89.1M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $246.4M
+12.4% YoY -1.0% QoQ
-$80.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 1.21%
-41.6% YoY -12.5% QoQ
-0.12% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.11%
-1.7% YoY +0.9% QoQ
+0.12% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 74.73%
+33.3% YoY -0.2% QoQ
+10.25% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 0.17%
-57.9% YoY -15.0% QoQ
-0.75% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 68.71%
-8.9% YoY +0.4% QoQ
-9.24% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 20.78%
-13.9% YoY -10.8% QoQ
-1.25% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.13%
-81.2% YoY -11.4% QoQ
-0.54% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 12.15%
-9.5% YoY +0.5% QoQ
-3.75% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.20%
-53.0% YoY +148.3% QoQ
-0.36% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
51%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 20.8%
-3.4pp YoY
-2.5pp QoQ
 -1.4pp 22.1% 29.2% 22.2% 49%
Brokered Deposits 0.4%
-0.5pp YoY
0.0pp QoQ
 -7.5pp 7.9% 8.0% 8.5% 10%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 16.0%
-0.1pp YoY
0.0pp QoQ
 +4.4pp 11.6% 14.8% 12.5% 79%
CRE 58.2%
-3.6pp YoY
-2.4pp QoQ
 +18.7pp 39.5% 48.4% 41.4% 82%
1-4 Family 15.2%
+1.6pp YoY
+1.8pp QoQ
 -17.4pp 32.6% 25.8% 31.3% 20%
Consumer 1.6%
+0.1pp YoY
+0.2pp QoQ
 -2.6pp 4.1% 4.7% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.2%
-1.3pp YoY
+0.1pp QoQ
 0.0pp 12.2% 12.6% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 61
+9 (+17.3%) YoY
+2 (+3.4%) QoQ
 +2 58 186 482 64%
Assets per Employee ($) $4.9M
-6.3% YoY
-4.1% QoQ
 -$2.6M $7.5M $10.1M $8.8M 14%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 27%
Allowance Coverage 7.30x
+157.4% YoY
+18.0% QoQ
 -16.85x 24.15x 18.82x 20.23x 77%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 9.7%
-5.4pp YoY
-1.4pp QoQ
 -2.5pp 12.2% 13.2% 11.6% 35%
Cost of Funds (YTD) 2.7%
-0.1pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.6% 1.7% 94%
Net Income ($, YTD) $1.8M
-34.2% YoY
— QoQ
 -$732K $2.6M $15.9M $40.4M 49%

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 (2)

Margin Compression

decline
#51 of 307 • Bottom 16.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.21%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

NIB Deposit Bleed

decline
#114 of 162 • Bottom 69.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 20.78%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2094
Efficiency Ratio
profitability
Value: 74.73%
Peer Median: 64.48%
#2094 of 2643 Bottom 20.8% in $100M-$1B
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