BlastPoint's Banking Scorecard
The Freedom Bank of Virginia
Designations: ✓ Community bank
Fairfax, VA
5 branches across VA
The Freedom Bank of Virginia faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.92% above tier average
- - Nonperforming Asset Ratio 1.52% above tier average
- - ROA 0.77% below tier average
- - Net Interest Margin 0.96% below tier average
- - Efficiency Ratio 15.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-2.7% YoY
-1.2% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.3% in tier |
| Total Loans ? |
$775.3M
+3.1% YoY
+3.0% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.6% in tier |
| Total Deposits ? |
$917.9M
+0.7% YoY
+0.3% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.6% in tier |
| Return on Assets ? |
0.60%
-33.2% YoY
+215.7% QoQ
|
-0.77% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.2% in tier |
| Net Interest Margin ? |
2.86%
-8.2% YoY
-0.9% QoQ
|
-0.96% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio ? |
76.14%
+18.7% YoY
+11.3% QoQ
|
+15.08% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate ? |
2.81%
+97.4% YoY
-20.9% QoQ
|
+1.92% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.1% in tier |
| Loan-to-Deposit Ratio ? |
84.47%
+2.4% YoY
+2.7% QoQ
|
+0.27% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
16.33%
+4.0% YoY
-0.7% QoQ
|
-4.96% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
2.20%
+121.8% YoY
-16.7% QoQ
|
+1.52% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.2% in tier |
| Tier 1 Capital Ratio ? |
13.50%
-4.5% YoY
-2.4% QoQ
|
-1.66% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.13%
+47.7% YoY
-70.6% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
46% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.