Freedom Bank
Alamo, TX · Cert 17881 · Peer group: banks under $1B in assets in TX (n=208-211) · Aob Ventures Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$301.2MAssets
$171.4MLoans
$246.4MDeposits
$37.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 69% of banks under $1B in assets in TX (rank 66 of 211).
- Widest gap: efficiency ratio trails 78% of banks under $1B in assets in TX (rank 166 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.95%
Rank 148 of 211
Net Interest Margin
3.68%
Rank 119 of 211
Efficiency Ratio
75.33%
Rank 166 of 211
Equity / Assets
12.53%
Rank 66 of 211
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 22% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.87% | 1.20% | 1.65% | Beats 30% | 148 / 211 | |
| Return on Equity | 7.58% | 7.52% | 11.67% | 14.58% | Beats 26% | 157 / 211 | |
| Net Interest Margin | 3.68% | 3.28% | 3.82% | 4.31% | Beats 44% | 119 / 211 | |
| Efficiency Ratio | 75.33% | 53.01% | 64.18% | 73.65% | Beats 22% | 166 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.01% | 0.30% | 1.10% | Beats 58% | 88 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 47% | 112 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.72% | 14.45% | 19.57% | Beats 31% | 146 / 211 | |
| Total Risk-Based Capital Ratio | 12.15% | 11.94% | 14.78% | 20.30% | Beats 30% | 147 / 211 | |
| Equity / Assets | 12.53% | 9.41% | 11.06% | 12.94% | Beats 69% | 66 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 69.57% | 45.39% | 66.56% | 82.03% | 56th pctl | 92 / 208 | |
| Loans / Assets | 56.90% | 39.13% | 56.90% | 70.46% | 50th pctl | 106 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |