Philippi, WV · Cert 15664 · Freedom Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 1.16% | 1.00% | 1.07% | 1.03% | 4.40% | 1.31% | 1.65% | +58 bps | |
| Return on Equity | 10.88% | 13.15% | 11.22% | 11.79% | 10.95% | 42.84% | 12.37% | 15.32% | +353 bps | |
| Net Interest Margin | 3.53% | 3.83% | 3.56% | 3.80% | 3.74% | 4.20% | 4.36% | 4.46% | +66 bps | |
| Efficiency Ratio | 71.19% | 64.38% | 68.93% | 68.16% | 68.76% | 40.32% | 61.48% | 57.16% | -1,100 bps | |
| Non-Interest Burden | 2.29% | 2.17% | 2.23% | 2.37% | 2.37% | -0.55% | 2.62% | 2.31% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | -0.70% | 2.15% | -3.42% | -1.39% | 108.61% | 101.41% | 108.67% | +11,210 bps | |
| Loan Growth (YoY) | -5.74% | -5.36% | -5.88% | -6.43% | -7.48% | 124.69% | 129.77% | 148.17% | +15,460 bps | |
| Deposit Growth (YoY) | 0.63% | 2.49% | 5.32% | -1.94% | 0.57% | 105.74% | 98.49% | 106.20% | +10,814 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.52% | 1.00% | 0.33% | 0.28% | 0.28% | 0.32% | 0.36% | +2 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.70% | -0.02% | -0.01% | 0.50% | 0.02% | 0.01% | 0.02% | +3 bps | |
| Allowance / Loans | 1.34% | 1.28% | 1.35% | 1.44% | 1.40% | 0.91% | 0.95% | 0.97% | -47 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.5x | 1.3x | 4.3x | 5.0x | 3.2x | 3.0x | 2.7x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 11.31% | 11.68% | 11.95% | 12.11% | 11.17% | 11.37% | 11.40% | -55 bps | |
| Total Risk-Based Capital | 10.73% | 11.31% | 11.68% | 11.95% | 12.11% | 11.17% | 11.37% | 11.40% | -55 bps | |
| Equity / Assets | 8.80% | 8.90% | 9.00% | 9.07% | 9.81% | 10.50% | 10.74% | 10.75% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.52% | 72.36% | 69.42% | 68.36% | 66.71% | 79.03% | 80.36% | 82.27% | +1,391 bps | |
| Liquid Assets / Assets | 9.41% | 7.93% | 11.24% | 12.71% | 14.17% | 4.44% | 3.20% | 2.30% | -1,041 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 118.87% | 278% | 283% | n/a | n/a | |