First Freedom Bank
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
$817.8MAssets
$687.7MLoans
$710.0MDeposits
$99.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 38 of 746).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating in a single state (rank 600 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.93% | 0.72% | 1.06% | 1.45% | Beats 93% | 54 / 746 | |
| Return on Equity | 15.81% | 6.74% | 10.51% | 13.63% | Beats 87% | 100 / 746 | |
| Net Interest Margin | 3.90% | 3.17% | 3.68% | 4.16% | Beats 61% | 292 / 746 | |
| Efficiency Ratio | 42.59% | 55.74% | 64.58% | 75.47% | Beats 95% | 38 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 83% | 126 / 743 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 600 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.46% | 11.55% | 13.75% | 17.60% | Beats 36% | 477 / 746 | |
| Total Risk-Based Capital Ratio | 12.46% | 11.71% | 14.33% | 18.43% | Beats 32% | 507 / 746 | |
| Equity / Assets | 12.17% | 8.90% | 10.51% | 13.06% | Beats 69% | 231 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 96.85% | 61.31% | 78.27% | 90.78% | 86th pctl | 101 / 746 | |
| Loans / Assets | 84.09% | 53.60% | 66.97% | 76.08% | 93rd pctl | 49 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |