Philippi, WV · Cert 15664 · Freedom Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.04% | 2.03% | 1.31% | 1.48% | +44 bps | |
| Return on Equity | 11.56% | 11.27% | 21.08% | 12.37% | 13.85% | +230 bps | |
| Net Interest Margin | 3.68% | 3.68% | 2.44% | 4.36% | 4.37% | +69 bps | |
| Efficiency Ratio | 68.53% | 68.61% | 53.15% | 61.48% | 59.21% | -933 bps | |
| Non-Interest Burden | 2.30% | 2.31% | 0.73% | 2.62% | 2.44% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.42% | -1.39% | 108.61% | 101.41% | 108.67% | +11,210 bps | |
| Loan Growth (YoY) | -6.43% | -7.48% | 124.69% | 129.77% | 148.17% | +15,460 bps | |
| Deposit Growth (YoY) | -1.94% | 0.57% | 105.74% | 98.49% | 106.20% | +10,814 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.28% | 0.28% | 0.32% | 0.36% | +2 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.15% | 0.05% | 0.01% | 0.02% | +3 bps | |
| Allowance / Loans | 1.44% | 1.40% | 0.91% | 0.95% | 0.97% | -47 bps | |
| Allowance Coverage of NPLs | 4.3x | 5.0x | 3.2x | 3.0x | 2.7x | -1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.95% | 12.11% | 11.17% | 11.37% | 11.40% | -55 bps | |
| Total Risk-Based Capital | 11.95% | 12.11% | 11.17% | 11.37% | 11.40% | -55 bps | |
| Equity / Assets | 9.07% | 9.81% | 10.50% | 10.74% | 10.75% | +168 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.36% | 66.71% | 79.03% | 80.36% | 82.27% | +1,391 bps | |
| Liquid Assets / Assets | 12.71% | 14.17% | 4.44% | 3.20% | 2.30% | -1,041 bps | |
| CRE / Total Capital | n/a | 118.87% | 278% | 283% | n/a | n/a | |