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 | |