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First Freedom Bank

$100M-$1B Specialty: Commercial TN FDIC cert 58208

Lebanon, TN

6 branches across TN

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 72 in TN.
  • Deposits +6.0% year over year ($710.0M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.99%.
  • Efficiency ratio 42.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.78% 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 72 in TN
View $100M-$1B leaderboard (TN) →

First Freedom Bank shows strong momentum with 5 strengths and 7.3% YoY asset growth

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

  • + Profitability Leader: Top 11.7% in tier
  • + Revenue Diversifier: Top 41.0% in tier
  • + Efficiency Ratio 22.28% below tier average
  • + Net Interest Margin 0.19% above tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Freedom Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $817.8M
+7.3% YoY +4.7% QoQ
+$431.2M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Top 7.1% in tier
Total Loans ? $680.0M
+11.5% YoY +5.1% QoQ
+$421.7M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Top 3.1% in tier
Total Deposits ? $710.0M
+6.0% YoY +4.9% QoQ
+$383.3M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Top 6.1% in tier
Return on Assets ? 1.99%
+55.7% YoY -17.6% QoQ
+0.67% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 13.5% in tier
Net Interest Margin ? 4.18%
+11.6% YoY +0.4% QoQ
+0.19% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 42.20%
-18.0% YoY +11.2% QoQ
-22.28% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Top 5.7% in tier
Delinquency Rate ? 0.01%
-90.5% YoY -98.2% QoQ
-0.91% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 14.2% in tier
Loan-to-Deposit Ratio ? 95.78%
+5.2% YoY +0.2% QoQ
+17.82% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 10.30%
-8.8% YoY +2.2% QoQ
-11.73% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 11.2% in tier
Nonperforming Asset Ratio ? 0.40%
+402.6% YoY -10.7% QoQ
-0.27% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 12.45%
+11.3% YoY -0.9% QoQ
-3.45% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.39%
+202.7% YoY +13.6% QoQ
-0.17% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
85%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 10.3%
-1.0pp YoY
+0.2pp QoQ
 -11.8pp 22.1% 18.8% 22.2% 11%
Brokered Deposits 10.8%
+1.0pp YoY
-2.2pp QoQ
 +2.9pp 7.9% 9.4% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 17.7%
-2.0pp YoY
-0.5pp QoQ
 +6.1pp 11.6% 10.9% 12.5% 84%
CRE 56.4%
+2.7pp YoY
+1.4pp QoQ
 +16.9pp 39.5% 42.4% 41.4% 80%
1-4 Family 19.9%
+0.3pp YoY
-0.5pp QoQ
 -12.7pp 32.6% 39.8% 31.3% 29%
Consumer 4.2%
-0.8pp YoY
-0.4pp QoQ
 +0.1pp 4.1% 4.5% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 12.5%
+1.3pp YoY
-0.1pp QoQ
 +0.3pp 12.2% 11.4% 12.6% 70%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 71
-1 (-1.4%) YoY
0 QoQ
 +12 58 270 482 72%
Assets per Employee ($) $11.5M
+8.9% YoY
+4.7% QoQ
 +$4.0M $7.5M $7.1M $8.8M 92%
Branch Count 6
0 YoY
0 QoQ
 +1 4 17 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.5pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 16%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 119.36x
+908.2% YoY
+5524.0% QoQ
 +95.21x 24.15x 28.97x 20.23x 97%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 16.4%
+4.7pp YoY
-3.6pp QoQ
 +4.2pp 12.2% 10.9% 11.6% 75%
Cost of Funds (YTD) 2.3%
-0.4pp YoY
0.0pp QoQ
 +0.5pp 1.7% 2.0% 1.7% 82%
Net Income ($, YTD) $7.9M
+60.8% YoY
— QoQ
 +$5.3M $2.6M $16.7M $40.4M 97%

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 (2)

Profitability Leader

growth
#78 of 661 • Top 11.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.99%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#272 of 661 • Top 41.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.39%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.99%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

84
Total Loans
size
Value: $680.04M
Peer Median: $258.35M
#84 of 2643 Top 3.1% in $100M-$1B
152
Efficiency Ratio
profitability
Value: 42.20%
Peer Median: 64.48%
#152 of 2643 Top 5.7% in $100M-$1B
163
Total Deposits
size
Value: $710.03M
Peer Median: $326.73M
#163 of 2643 Top 6.1% in $100M-$1B
188
Total Assets
size
Value: $817.79M
Peer Median: $386.57M
#188 of 2643 Top 7.1% in $100M-$1B
358
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.32%
#358 of 2643 Top 13.5% in $100M-$1B
374
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#374 of 2633 Top 14.2% in $100M-$1B
406
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#406 of 2643 Top 15.3% in $100M-$1B

Top Weaknesses (2 metrics)

2347
Non-Interest-Bearing Deposit Share
funding
Value: 10.30%
Peer Median: 22.03%
#2347 of 2643 Bottom 11.2% in $100M-$1B
2242
Loan-to-Deposit Ratio
liquidity
Value: 95.78%
Peer Median: 77.95%
#2242 of 2643 Bottom 15.2% in $100M-$1B
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