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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.67% | 0.53% | 0.69% | 0.78% | 0.65% | 0.79% | 0.98% | +29 bps | |
| Return on Equity | 6.06% | 6.80% | 5.34% | 6.97% | 7.97% | 6.74% | 8.16% | 10.10% | +313 bps | |
| Net Interest Margin | 2.56% | 2.55% | 2.57% | 2.76% | 2.90% | 3.00% | 2.92% | 3.11% | +35 bps | |
| Efficiency Ratio | 70.18% | 66.57% | 73.75% | 67.54% | 61.96% | 70.26% | 65.17% | 61.17% | -637 bps | |
| Non-Interest Burden | 1.77% | 1.68% | 1.87% | 1.84% | 1.77% | 2.09% | 1.88% | 1.88% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.58% | 8.67% | 4.14% | 3.22% | 6.78% | 5.70% | 10.49% | 8.48% | +526 bps | |
| Loan Growth (YoY) | 8.66% | 4.75% | 5.05% | 2.87% | 5.28% | 8.03% | 8.46% | 8.25% | +538 bps | |
| Deposit Growth (YoY) | 17.80% | 16.18% | 10.52% | 8.47% | 5.12% | 9.65% | 11.46% | 9.07% | +59 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.30% | 0.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.63% | 0.63% | 0.62% | 0.62% | 0.62% | 0.62% | 0.61% | 0.61% | -1 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 2.1x | 1.6x | 2.3x | 2.3x | 2.3x | 2.2x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.91% | 10.01% | 9.94% | 9.90% | 9.57% | 9.56% | 9.78% | -16 bps | |
| Total Risk-Based Capital | 13.04% | 13.23% | 12.95% | 12.96% | 12.70% | 12.59% | 12.50% | 12.62% | -34 bps | |
| Equity / Assets | 9.88% | 9.93% | 9.81% | 9.98% | 9.64% | 9.79% | 9.46% | 9.87% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.90% | 103.47% | 103.05% | 104.43% | 105.05% | 101.94% | 100.28% | 103.65% | -78 bps | |
| Liquid Assets / Assets | 4.22% | 4.25% | 9.46% | 9.12% | 10.66% | 8.81% | 12.22% | 8.69% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 681% | 692% | 696% | n/a | n/a | |