Maywood, NJ · Cert 58712 · Freedom Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #83 of 151 inst. · $0.7B of $2921.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.66% | 0.66% | 0.79% | 0.89% | +28 bps | |
| Return on Equity | 6.15% | 6.76% | 6.75% | 8.16% | 9.14% | +299 bps | |
| Net Interest Margin | 2.64% | 2.69% | 2.67% | 2.92% | 3.02% | +38 bps | |
| Efficiency Ratio | 70.50% | 67.44% | 68.23% | 65.17% | 63.10% | -739 bps | |
| Non-Interest Burden | 1.84% | 1.79% | 1.80% | 1.88% | 1.88% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.22% | 6.78% | 5.70% | 10.49% | 8.48% | +526 bps | |
| Loan Growth (YoY) | 2.87% | 5.28% | 8.03% | 8.46% | 8.25% | +538 bps | |
| Deposit Growth (YoY) | 8.47% | 5.12% | 9.65% | 11.46% | 9.07% | +59 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.27% | 0.27% | 0.27% | 0.28% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.62% | 0.62% | 0.61% | 0.61% | -1 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.3x | 2.3x | 2.3x | 2.2x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.94% | 9.90% | 9.57% | 9.56% | 9.78% | -16 bps | |
| Total Risk-Based Capital | 12.96% | 12.70% | 12.59% | 12.50% | 12.62% | -34 bps | |
| Equity / Assets | 9.98% | 9.64% | 9.79% | 9.46% | 9.87% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.43% | 105.05% | 101.94% | 100.28% | 103.65% | -78 bps | |
| Liquid Assets / Assets | 9.12% | 10.66% | 8.81% | 12.22% | 8.69% | -43 bps | |
| CRE / Total Capital | n/a | 681% | 692% | 696% | n/a | n/a | |