Fairfax, VA · Cert 57184 · Freedom Financial Holdings Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
4
Profitability
8
Liquidity
93
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairfax, VA · Cert 57184 · Freedom Financial Holdings Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #29 of 71 inst. · $0.9B of $301.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.59% | 0.89% | 0.69% | 0.65% | 0.19% | 0.60% | 0.45% | -24 bps | |
| Return on Equity | 6.58% | 6.55% | 9.64% | 7.35% | 6.84% | 1.97% | 6.16% | 4.55% | -280 bps | |
| Net Interest Margin | 2.29% | 2.31% | 2.88% | 2.69% | 2.72% | 2.75% | 2.61% | 2.69% | +1 bps | |
| Efficiency Ratio | 76.89% | 76.92% | 64.12% | 68.07% | 69.19% | 68.41% | 76.14% | 78.98% | +1,091 bps | |
| Non-Interest Burden | 1.67% | 1.68% | 1.72% | 1.70% | 1.74% | 1.74% | 1.86% | 2.03% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.84% | 0.50% | -1.01% | -2.16% | -6.33% | -2.28% | -2.72% | -3.14% | -98 bps | |
| Loan Growth (YoY) | 2.87% | -0.33% | -0.87% | -4.14% | -4.19% | -0.91% | 3.26% | 4.07% | +820 bps | |
| Deposit Growth (YoY) | -4.13% | -1.12% | 1.82% | 4.31% | -3.86% | 0.49% | 0.71% | -4.81% | -913 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 1.77% | 1.41% | 1.43% | 2.05% | 3.49% | 2.79% | 3.26% | +184 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.42% | 0.14% | 0.07% | 0.17% | 0.15% | 3.19% | 1.65% | +158 bps | |
| Allowance / Loans | 1.11% | 0.84% | 0.87% | 0.96% | 0.95% | 1.81% | 0.98% | 1.04% | +7 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.6x | 0.7x | 0.5x | 0.5x | 0.4x | 0.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.23% | 10.39% | 10.76% | 10.66% | 11.23% | 11.05% | 10.70% | 11.06% | +40 bps | |
| Total Risk-Based Capital | 14.22% | 14.35% | 14.95% | 15.20% | 15.53% | 15.09% | 14.42% | 14.63% | -57 bps | |
| Equity / Assets | 9.12% | 9.09% | 9.42% | 9.56% | 10.27% | 9.56% | 9.79% | 10.03% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.83% | 84.96% | 83.20% | 81.27% | 87.53% | 83.78% | 85.31% | 88.86% | +758 bps | |
| Liquid Assets / Assets | 3.71% | 3.98% | 5.45% | 6.39% | 3.68% | 8.39% | 5.02% | 4.41% | -199 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 296% | 311% | 317% | n/a | n/a | |
Fairfax, VA · Cert 57184 · Peer group: banks $1B-$10B in assets (n=322-328) · Freedom Financial Holdings Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
0.45%
Rank 309 of 328
Net Interest Margin
2.69%
Rank 291 of 328
Efficiency Ratio
78.98%
Rank 307 of 328
Equity / Assets
10.03%
Rank 180 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.91% | 1.22% | 1.52% | Beats 6% | 309 / 328 | ||
| Return on Equity | 4.50% | 8.43% | 11.45% | 14.43% | Beats 6% | 307 / 328 | ||
| Net Interest Margin | 2.69% | 3.03% | 3.45% | 3.83% | Beats 11% | 291 / 328 | ||
| Efficiency Ratio | 78.98% | 51.61% | 59.56% | 67.53% | Beats 7% | 307 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.26% | 0.24% | 0.51% | 1.03% | Beats 4% | 309 / 322 | ||
| Net Charge-Offs / Loans | 0.83% | 0.01% | 0.03% | 0.10% | Beats 4% | 311 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.66% | 11.75% | 13.15% | 15.47% | Beats 58% | 139 / 328 | ||
| Total Risk-Based Capital Ratio | 14.63% | 12.63% | 14.15% | 16.46% | Beats 56% | 143 / 328 | ||
| Equity / Assets | 10.03% | 9.15% | 10.33% | 12.01% | Beats 45% | 180 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.86% | 76.63% | 87.92% | 95.36% | 52nd pctl | 155 / 323 | ||
| Loans / Assets | 74.92% | 65.18% | 74.15% | 79.98% | 53rd pctl | 153 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||