# FREEDOM BANK
OVERLAND PARK, KS · FDIC certificate 58292 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $202.0M | |
| Deposits | $150.4M | |
| Loans and leases | $118.0M | |
| Total equity | $22.0M | |
| Loans / deposits | 77.73% (p73 of band) | 63.45% |
| Liquid assets / assets | 34.42% (p39 of band) | |
| Uninsured deposits / deposits | 27.73% (p73 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.46% (p94 of band) | |
| FHLB advances / assets | 3.47% | |
| Tier 1 leverage | 10.27% (p43 of band) | 10.74% |
| Unrealized securities loss / equity | -13.10% (p67 of band) | -26.93% |
| AOCI / equity | -0.71% (p83 of band) | |
| ROA (annualized) | 0.39% (p17 of band) | 0.89% |
| Net interest margin | 3.05% (p40 of band) | 3.22% |
| Efficiency ratio | 82.41% (p79 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 14.23% (p42 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.8% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | brokered >10% |  |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 2 | brokered >10% |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | brokered >10% |
| 2013-03 | 4 | brokered >10%, reserve under noncurrent |  |
| 2013-06 | 2 |  | capital falling, reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | deposits shrinking |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | deposits shrinking |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 | deposits shrinking | capital falling, charge-offs p90 |
| 2017-03 | 3 | charge-offs p90 | deposits shrinking |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2018-09 | 3 | capital falling, securities losses >30% of equity | deposits shrinking, uninsured deposits leaving |
| 2018-12 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | capital falling, securities losses >30% of equity |
| 2019-03 | 3 |  | uninsured deposits leaving |
| 2019-06 | 2 | brokered >10% | loans exceed deposits, deposits shrinking |
| 2019-09 | 4 | loans exceed deposits, assets shrinking, uninsured deposits leaving | brokered >10% |
| 2019-12 | 3 |  | uninsured deposits leaving |
| 2020-03 | 4 | uninsured deposits leaving |  |
| 2020-06 | 3 | capital falling | assets shrinking, uninsured deposits leaving |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 | capital falling | wholesale funding >15%, loans exceed deposits |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | uninsured deposits leaving |  |
| 2022-09 | 3 | deposits shrinking, assets shrinking |  |

## 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
- 2026-02-26 [Fairfax's Freedom Bank relocating corporate HQ to Tysons - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOU3ExTkN2cjBMWTNTODYwYWtOdEJxd21LT09LWWZLaUZTc2tqVEtOTWdWMU1VOWlsU3RBdFJIYkk0anM3dEVQRnRFamZqUnk4Zi1SaHVGQzJkcG9ZLVEwR1BEaDFKNXBsMGdNamZrUDVybUQydnlYVWN6MTRBenNHbTNqWmVvTTIxdlNnVnpUS3hoQjlVU0FEZ2w3bGtvSHZXS2IwZ3FILVdZUEJlMWxv?oc=5) · The Business Journals
- 2023-01-06 [Central Bank announces new CEO - Northeast News KC](https://news.google.com/rss/articles/CBMicEFVX3lxTE5EMGVUTGk2am1kR1k4c25kSWIxSG1PSkRjbmx3TllZTG10ckt6OG9meDg0Wk9GaEwxVTVKNlRTSWpaWHNESHZJVjVDNUhIS0tLTDZJRTc3QVU1b2djRC1mZkplUWNKMFVjaElRZmh6NlE?oc=5) · Northeast News KC
- 2025-03-25 [Freedom Bank taps former EagleBank exec to lead small-business banking - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPd1VSZ01pQklqVWdteld6UGJXbmJIZW41QkdadmVNZlpQMnFfdk9BSnFaRUpUbVYzVHR6MXhIdEd5LWt3eWJqd2RLQTdDZWFHMllyNmNfSWdETUx4bnpicmxrZVBSTHpwUTlBLVVja2g5Q19BQkZLSndiVzgyVFJMM1F6Y3BIVERacXVfMjQwUlNoaGJiamNFV3pOQWowa0pGZUUwSzZn?oc=5) · The Business Journals
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk
- 2015-06-01 [Freedom Bank continues to expand executive team - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxPclBiSjZ0RjcyeUVxZ2M5bXI5dlhlZTBRdW0zY3BvUklWZWUzX0lQRzBTc2NDdmxvMmFBNFEwMmVtSmdRZEZXQ3V3X09GclFXUWEtbDFwRXBIV1ZydkNwVERhTlpPSjVoZzZFYm1qQkpsN0tlU3hyTVBKUUh2VHBZd3dZN2F0a2RpS0p4ZGNveXkyUQ?oc=5) · The Business Journals
- 2020-01-23 [Seacoast to acquire Freedom Bank of St. Petersburg in $64M deal - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOV0F1MTZRZDE2RlV1VTVqSVpYMi1fNnR1RzQ2cVFaQ0dfVTFkM09rdzNvSXo1U2dBSVBFdUdPbkJ2ZUgyMm1HMnozVWFZN3F3LXZwSHdjTzNMNHhfRzJQOGp4UXBsNTkwY1lTQWZOV1NYc0JWeDhKaEdkNWZXbURHQ1RzZjI1TXlYY3Jwd1JBdnJiY0ltajY4d2p1TzlrQUxQMndMRjdTalBhUGc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58292 (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/52.json (key "58292", 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