BlastPoint's Banking Scorecard

The Freedom Bank of Virginia

$1B-$10B Specialty: Commercial VA FDIC cert 57184

Designations: ✓ Community bank

Fairfax, VA

6 branches across VA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
Deposits -4.8% year over year ($875.0M on the books).
Delinquency rate 3.30%.
Return on assets 0.45%.
Efficiency ratio 78.98% vs a 59.73% peer average.
Loan-to-deposit ratio 87.94% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 23 in VA

View $1B-$10B leaderboard (VA) →

The Freedom Bank of Virginia faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 9.4% in tier
- Return on Assets 0.95% below tier average
- Efficiency Ratio 19.25% above tier average
- Delinquency Rate 2.43% above tier average
- Nonperforming Asset Ratio 1.83% above tier average
- Net Interest Margin 0.97% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$1.0B -3.1% YoY -1.3% QoQ	-$1.8B	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	Bottom 3.5% in tier
Total Loans ?	$769.4M +4.0% YoY -0.8% QoQ	-$1.2B	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	Bottom 11.9% in tier
Total Deposits ?	$875.0M -4.8% YoY -4.7% QoQ	-$1.4B	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	Bottom 5.1% in tier
Return on Assets ?	0.45% -35.3% YoY -25.3% QoQ	-0.95%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Bottom 6.4% in tier
Net Interest Margin ?	2.90% -2.1% YoY +1.5% QoQ	-0.97%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	Bottom 11.9% in tier
Efficiency Ratio ?	78.98% +16.0% YoY +3.7% QoQ	+19.25%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Bottom 8.1% in tier
Delinquency Rate ?	3.30% +129.1% YoY +17.2% QoQ	+2.43%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Bottom 3.9% in tier
Loan-to-Deposit Ratio ?	87.94% +9.2% YoY +4.1% QoQ	+2.90%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	16.25% +16.8% YoY -0.4% QoQ	-5.02%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	2.51% +152.2% YoY +14.0% QoQ	+1.83%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	Bottom 4.4% in tier
Tier 1 Capital Ratio ?	13.66% -4.5% YoY +1.2% QoQ	-1.18%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.23% +7.0% YoY +71.2% QoQ	-0.30%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	36%

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 (VA)	National Avg	Tier Percentile
Noninterest-Bearing	16.3% +2.3pp YoY -0.1pp QoQ	-5.1pp	21.4%	26.2%	22.2%	32%
Brokered Deposits	24.2% -1.5pp YoY -2.1pp QoQ	+14.7pp	9.5%	8.5%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	23.1% +2.8pp YoY +1.0pp QoQ	+9.1pp	14.0%	11.0%	12.5%	86%
CRE	47.3% -0.9pp YoY -0.2pp QoQ	-2.8pp	50.0%	46.9%	41.4%	42%
1-4 Family	28.2% -1.3pp YoY -0.7pp QoQ	+1.7pp	26.4%	32.6%	31.3%	62%
Consumer	2.6% -0.5pp YoY -0.1pp QoQ	-2.1pp	4.7%	8.0%	5.0%	71%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	13.7% -0.6pp YoY +0.2pp QoQ	-1.9pp	15.6%	17.2%	19.7%	52%
Leverage Ratio	11.1% +0.4pp YoY +0.4pp QoQ	-0.3pp	11.3%	12.2%	12.6%	61%
Total Capital Ratio	14.6% -0.6pp YoY +0.2pp QoQ	-2.1pp	16.7%	18.3%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	101 +9 (+9.8%) YoY +3 (+3.1%) QoQ	-213	313	1,956	482	7%
Assets per Employee ($)	$10.3M -11.8% YoY -4.2% QoQ	-$207K	$10.5M	$9.9M	$8.8M	68%
Branch Count	6 +1 (+20.0%) YoY +1 (+20.0%) QoQ	-14	20	28	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	3.3% +1.9pp YoY +0.8pp QoQ	+2.5pp	0.8%	0.7%	1.0%	97%
Allowance Coverage	0.32x -53.0% YoY -10.0% QoQ	-18.39x	18.71x	9.47x	20.23x	2%
Net Charge-off Rate (YTD)	1.7% +1.6pp YoY -1.6pp QoQ	+1.4pp	0.3%	0.2%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	4.5% -2.8pp YoY -1.6pp QoQ	-8.0pp	12.6%	12.0%	11.6%	7%
Cost of Funds (YTD)	2.7% -0.4pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.7%	1.7%	89%
Net Income ($, YTD)	$2.3M -37.0% YoY — QoQ	-$16.9M	$19.2M	$137.1M	$40.4M	4%

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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)

Capital Constraint

risk

#4 of 32 • Bottom 9.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 87.94%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 13.66%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

855

Total Assets

size

Value: $1.04B

Peer Median: $2.79B

#855 of 885 Bottom 3.5% in $1B-$10B

849

Delinquency Rate

credit_quality

Value: 3.30%

Peer Median: 0.87%

#849 of 882 Bottom 3.9% in $1B-$10B

847

Nonperforming Asset Ratio

credit_quality

Value: 2.51%

Peer Median: 0.67%

#847 of 885 Bottom 4.4% in $1B-$10B

841

Total Deposits

size

Value: $874.98M

Peer Median: $2.32B

#841 of 885 Bottom 5.1% in $1B-$10B

829

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.39%

#829 of 885 Bottom 6.4% in $1B-$10B

814

Efficiency Ratio

profitability

Value: 78.98%

Peer Median: 59.73%

#814 of 885 Bottom 8.1% in $1B-$10B

781

Net Interest Margin

profitability

Value: 2.90%

Peer Median: 3.87%

#781 of 885 Bottom 11.9% in $1B-$10B

781

Total Loans

size

Value: $769.42M

Peer Median: $1.96B

#781 of 885 Bottom 11.9% in $1B-$10B