Freedom Bank of Virginia, The
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
$1.0BAssets
$777.5MLoans
$875.0MDeposits
$104.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 58% of banks $1B-$10B in assets (rank 139 of 328).
- Widest gap: net charge-offs / loans trails 96% of banks $1B-$10B in assets (rank 311 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $21.5M · efficiency ratio beats 7% of banks $1B-$10B in assets | 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 |