Freedom Bank, Inc.
Philippi, WV · Cert 15664 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Freedom Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$429.7MAssets
$313.0MLoans
$380.4MDeposits
$46.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 83% of banks under $1B in assets operating in a single state (rank 126 of 746).
- Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets operating in a single state (rank 585 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.46%
Rank 182 of 746
Net Interest Margin
4.37%
Rank 126 of 746
Efficiency Ratio
62.16%
Rank 325 of 746
Equity / Assets
10.75%
Rank 345 of 746
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.72% | 1.06% | 1.45% | Beats 76% | 182 / 746 | | |
| Return on Equity | 13.56% | 6.74% | 10.51% | 13.63% | Beats 74% | 191 / 746 | | |
| Net Interest Margin | 4.37% | 3.17% | 3.68% | 4.16% | Beats 83% | 126 / 746 | | |
| Efficiency Ratio | 62.16% | 55.74% | 64.58% | 75.47% | Beats 57% | 325 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 56% | 329 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 51% | 368 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.40% | 11.55% | 13.75% | 17.60% | Beats 23% | 573 / 746 | | |
| Total Risk-Based Capital Ratio | 11.40% | 11.71% | 14.33% | 18.43% | Beats 22% | 585 / 746 | | |
| Equity / Assets | 10.75% | 8.90% | 10.51% | 13.06% | Beats 54% | 345 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.27% | 61.31% | 78.27% | 90.78% | 58th pctl | 311 / 746 | | |
| Loans / Assets | 72.84% | 53.60% | 66.97% | 76.08% | 65th pctl | 258 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |