# FREEDOM BANK
ALAMO, TX · FDIC certificate 17881 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $301.2M | |
| Deposits | $246.4M | |
| Loans and leases | $171.4M | |
| Total equity | $37.7M | |
| Loans / deposits | 68.71% (p23 of band) | 82.04% |
| Liquid assets / assets | 33.28% (p72 of band) | |
| Uninsured deposits / deposits | 29.24% (p63 of band) | 25.97% |
| Brokered deposits | 0.30% | |
| Wholesale funding | 5.28% (p59 of band) | |
| FHLB advances / assets | 4.98% | |
| Tier 1 leverage | 12.15% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -2.12% (p78 of band) | -8.10% |
| AOCI / equity | -2.16% (p7 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.28% |
| Net interest margin | 4.11% (p61 of band) | 3.91% |
| Efficiency ratio | 74.73% (p82 of band) | |
| Noncurrent loans | 0.17% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 730.10% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 62.70% (p66 of band) | |
| Auto loans | $230,000 (0.13% of loans; DQ 1.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.4% | |
| Employees | 61 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | leverage <7%, auto book souring |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 1 |  | auto book souring, capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | leverage <7% |
| 2013-09 | 3 | auto book souring, deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | uninsured deposits leaving | auto book souring |
| 2014-06 | 5 | reserve under noncurrent, auto book souring |  |
| 2014-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking |  |
| 2015-12 | 4 | charge-offs p90 |  |
| 2016-03 | 4 | capital falling, losing money | deposits shrinking, assets shrinking |
| 2016-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling, losing money |
| 2016-09 | 4 |  | uninsured deposits leaving |
| 2016-12 | 5 | uninsured deposits leaving |  |
| 2017-03 | 4 |  | auto book souring |
| 2017-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 2 | expense ratio p90 |  |
| 2017-12 | 1 | capital falling | charge-offs p90, expense ratio p90 |
| 2018-03 | 3 | losing money, expense ratio p90 |  |
| 2018-06 | 3 | NIM <2.5%, reserve under noncurrent | capital falling, losing money |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 | uninsured deposits leaving | expense ratio p90, NIM <2.5% |
| 2019-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | losing money, expense ratio p90 |  |
| 2022-09 | 0 |  | losing money, expense ratio p90 |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 | construction >100% equity | capital falling |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-05 [Freedom Bank to open new branch in south McAllen - Rio Grande Guardian](https://news.google.com/rss/articles/CBMihwFBVV95cUxNT2JUR0hJTERUWE5faGhsTkFTdlNfenE4QUFGdnVCZ1czQ0tVOFlhQ0lJVzY2TEZUSHJTcVFQcTJUNURiOWkyQUFlbHgyZndRci1DZDItQUhoeVRDTmQ4ZFlKdUtGQWMweVlOcGdBZzZnS3pxcU1xcWRTNl8wUXdLTFV3UE9SaGc?oc=5) · Rio Grande Guardian
- 2020-05-18 [Meet the new Chairman and CEO of a new bank in the Valley - Texas Border Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNclNwU3Y0ZFJUUlFfaUI3MTUxYVYyS2cwWmYycVRKcmFtNTlkX1ZOOG02ekpjbGt3Um1ZVGpHd3RYNWhWRFRqcXNpeVhXQ0lleVhLTURKLTRyM2dFQnFNRWl6OWZVV1hCUVJJQ0QwdHAyUEFwMnByX2dVeEpISDNqbnRYV3QwNU1DNkxFVFUtLWtKYzM0?oc=5) · Texas Border Business
- 2026-03-02 [Freedom Financial relocating corporate HQ to Tysons - Virginia Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOb3I5V3RuVEZlOG40Q3hPZWx6ZHZuUzBnLU5ndmQxbTdnUkRFRTgtNnhsUjdCMkdQNnFucXVTcTRtOEVZekhQbUdiZFhFUXRfNDVDSDBHOVE5QkM3amRGbWx2RUZfc1Y4MG1neVYzTWY2WmdwSzlZSzAyb3pJT2Z4RHppa1dOWU1N?oc=5) · Virginia Business
- 2024-06-24 [Freedom Bank Welcomes New SVP, Government Contracting, And IT Practice Leader - National Mortgage Professional](https://news.google.com/rss/articles/CBMivgFBVV95cUxOcU5tVVFfMzlwaWtnYUJ4Y2ctNmg5UlNhQjRpN2VpeVJCNEJlekxSc0pBNWNDekhOcnFBX3hGWHE5S0c0S0NlUXpqTnFFNkFzWGJtSlZBYzdpVzFXWW13RlZ6S29VZUNnSGF0UDlhTzEwRG9vNXY4WnUxRmpITXhJSGpiNVl6eUhyNlF4U0dXWDBmXzFvem5nbTFDaW5tSXAxaV9IYTI4UURoN2E0S0VMeXA4c1Zya1lBdEozQ2tn?oc=5) · National Mortgage Professional
- 2025-05-08 [Freedom Bank Chooses Vine to Accelerate Commercial Lending - Business Wire](https://news.google.com/rss/articles/CBMitgFBVV95cUxOU0gxbFc3RlRkbG9GRTF0MWRkMHlPNU9tcHFmeUpoek9ScGpselAtOFo0RU9WcjZRY0lmVHJPbGhjRWxmSU9UWUtsMWpZd1pqc2Z6SThWYllFb1N2TEdnN2c2eldXM2NNU1BsZkRuenhCOWV5UWJZNTNfTjRpTWRsUU9ENEc3STRtQ283Vmg2UmVFN1BnM003ZE1qUklTWE8zaGRnUm15N21iR3V4dTZjNHpaTVhmZw?oc=5) · Business Wire
- 2023-04-13 [It cost $22 billion to rescue two failed banks. Now the question is who will pay - VPM](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOb2MyMk8tajBWa1c1cDdtUk14M1o3aHkzMy14ajlHVS1OUkNQUUtFOVZFcy13TURXQi1HeHIwaXJOdTktOG5DTlZsSmFtNy1WMVhFNFlUY1pXZXp0VFQ3QWlQYWVSTHdhSTM2NC1zeTluSWhsU2VteF9iQjlDWDY4U0JncFdJb2h0bUFCak9SWVNkczVwUkJuWlFpMGFYSHVWbWlDRkd4TlEtaE5yTFVvVERrTklRR1ZySkV4UDJXR3dpbXJXa3FDZGZxcy05RHZYb0pBNzVzd0xMZE16N1ByUkZWM3ZXUHlhUkVvanRQZG9xcktBdml5TVJ3dG8?oc=5) · VPM
- 2024-05-15 [RGV bank to represent minority institutions on Federal Deposit Insurance Corporation subcommittee - Progress Times](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOZ25nMkp2WmowY1F5UUx4M0cteE52UUpzd18xazlzbTZ2Szgwc0xJU3dNcG8xTktWWGg2SFh4MzRuNkZOMVhWbldBSXhYZk9kcUZDTnZGSXBfbDkxNmY4R1FjQ1p4LWdiYnVPNF9jQVNjazFORGc5RFJxcUlDajRmQVlINXVfYjlxUlh5dEdGRWNFVTZxVi02czJNR2VaNlM0LURMQW1peFhzTDM0MUVaa2hQYTFaYWdEWFJKMEQ3ejRkTVNZaldtU25aU0x2Qm4zN2tmTUFn?oc=5) · Progress Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17881 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "17881", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide