BlastPoint's Banking Scorecard

Freedom Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 58712

Designations: ✓ CDFI-certified

Maywood, NJ

5 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

Freedom Bank has 2 strengths but faces 4 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

+ Efficiency Ratio 0.11% below tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 23.03% above tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.48% below tier average
- Net Interest Margin 0.88% below tier average

Get updates when Freedom Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$856.1M +10.5% YoY +5.4% QoQ	+$470.0M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	Top 5.5% in tier
Total Loans ?	$727.6M +8.5% YoY +1.6% QoQ	+$471.9M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	Top 1.6% in tier
Total Deposits ?	$730.0M +11.5% YoY +3.3% QoQ	+$402.1M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	Top 5.3% in tier
Return on Assets ?	0.79% +49.0% YoY +18.3% QoQ	-0.48%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.05% +16.3% YoY +4.7% QoQ	-0.88%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 12.9% in tier
Efficiency Ratio ?	65.17% -11.6% YoY -4.5% QoQ	-0.11%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.27% -11.1% YoY -0.6% QoQ	-0.62%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	59%
Loan-to-Deposit Ratio ?	99.66% -2.7% YoY -1.6% QoQ	+23.03%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 8.9% in tier
Non-Interest-Bearing Deposit Share ?	10.71% -12.1% YoY -5.9% QoQ	-11.31%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 12.1% in tier
Nonperforming Asset Ratio ?	0.23% -12.8% YoY -4.2% QoQ	-0.41%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	11.82% -3.4% YoY -0.6% QoQ	-4.01%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.02% -22.0% YoY -79.7% QoQ	-0.26%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 2.8% in tier

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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 (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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $727.57M

Peer Median: $255.72M

#43 of 2664 Top 1.6% in $100M-$1B

143

Total Deposits

size

Value: $730.03M

Peer Median: $327.97M

#143 of 2664 Top 5.3% in $100M-$1B

147

Total Assets

size

Value: $856.06M

Peer Median: $386.08M

#147 of 2664 Top 5.5% in $100M-$1B

Top Weaknesses (4 metrics)

2591

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2591 of 2664 Bottom 2.8% in $100M-$1B

2428

Loan-to-Deposit Ratio

liquidity

Value: 99.66%

Peer Median: 76.64%

#2428 of 2664 Bottom 8.9% in $100M-$1B

2343

Non-Interest-Bearing Deposit Share

funding

Value: 10.71%

Peer Median: 22.02%

#2343 of 2664 Bottom 12.1% in $100M-$1B

2321

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.93%

#2321 of 2664 Bottom 12.9% in $100M-$1B