Lebanon, TN · Cert 58208 · First Freedom Bancshares Inc.
State charter, non-member · FDIC · 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
52
Profitability
80
Liquidity
15
Efficiency
95
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.
Lebanon, TN · Cert 58208 · First Freedom Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.4% share · #29 of 62 inst. · $0.5B of $107.8B
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 | 1.42% | 1.41% | 1.10% | 1.28% | 1.43% | 1.47% | 2.41% | 1.99% | +71 bps | |
| Return on Equity | 13.01% | 12.99% | 10.29% | 11.75% | 12.79% | 13.01% | 19.96% | 16.41% | +465 bps | |
| Net Interest Margin | 3.49% | 3.35% | 3.27% | 3.51% | 3.71% | 3.77% | 3.98% | 3.90% | +39 bps | |
| Efficiency Ratio | 53.19% | 52.60% | 53.72% | 51.48% | 50.58% | 49.54% | 37.96% | 42.20% | -928 bps | |
| Non-Interest Burden | 1.74% | 1.65% | 1.66% | 1.70% | 1.76% | 1.75% | 0.66% | 1.20% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.89% | 14.78% | 12.75% | 9.93% | -0.28% | 1.00% | 1.49% | 7.34% | -258 bps | |
| Loan Growth (YoY) | 13.76% | 11.59% | 7.61% | 7.23% | 4.53% | 9.12% | 10.05% | 11.46% | +422 bps | |
| Deposit Growth (YoY) | 17.47% | 16.18% | 13.69% | 10.16% | -3.90% | -2.37% | -0.51% | 6.02% | -415 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.02% | 0.09% | 0.10% | 0.09% | 0.09% | 0.53% | 0.01% | -9 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.24% | 0.15% | 0.15% | 0.16% | 0.14% | 0.16% | 0.13% | -3 bps | |
| Allowance / Loans | 1.20% | 1.13% | 1.17% | 1.16% | 1.13% | 1.12% | 1.13% | 1.11% | -4 bps | |
| Allowance Coverage of NPLs | 15.5x | 55.0x | 13.0x | 11.8x | 12.1x | 13.0x | 2.1x | 119.4x | +107.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.16% | 10.87% | 10.71% | 11.19% | 11.96% | 12.33% | 12.56% | 12.46% | +127 bps | |
| Total Risk-Based Capital | 11.16% | 10.87% | 10.71% | 11.19% | 11.96% | 12.33% | 12.56% | 12.46% | +127 bps | |
| Equity / Assets | 10.91% | 10.53% | 10.81% | 11.25% | 12.14% | 11.83% | 12.33% | 12.17% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.08% | 87.20% | 87.44% | 92.12% | 99.07% | 97.46% | 96.72% | 96.85% | +473 bps | |
| Liquid Assets / Assets | 9.77% | 12.87% | 13.51% | 9.71% | 7.17% | 8.22% | 8.20% | 8.18% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 367% | 384% | 370% | n/a | n/a | |
Lebanon, TN · Cert 58208 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Freedom Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.93%
Rank 54 of 746
Net Interest Margin
3.90%
Rank 292 of 746
Efficiency Ratio
42.59%
Rank 38 of 746
Equity / Assets
12.17%
Rank 231 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.93% | 0.72% | 1.06% | 1.45% | Beats 93% | 54 / 746 | n/a | |
| Return on Equity | 15.81% | 6.74% | 10.51% | 13.63% | Beats 87% | 100 / 746 | n/a | |
| Net Interest Margin | 3.90% | 3.17% | 3.68% | 4.16% | Beats 61% | 292 / 746 | n/a | |
| Efficiency Ratio | 42.59% | 55.74% | 64.58% | 75.47% | Beats 95% | 38 / 746 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 83% | 126 / 743 | n/a | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 600 / 743 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.46% | 11.55% | 13.75% | 17.60% | Beats 36% | 477 / 746 | n/a | |
| Total Risk-Based Capital Ratio | 12.46% | 11.71% | 14.33% | 18.43% | Beats 32% | 507 / 746 | n/a | |
| Equity / Assets | 12.17% | 8.90% | 10.51% | 13.06% | Beats 69% | 231 / 746 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.85% | 61.31% | 78.27% | 90.78% | 86th pctl | 101 / 746 | n/a | |
| Loans / Assets | 84.09% | 53.60% | 66.97% | 76.08% | 93rd pctl | 49 / 746 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||