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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lebanon, TN · FDIC certificate #58208
FIRST FREEDOM BANK is an FDIC-insured institution based in Lebanon, TN (FDIC certificate #58208). In its Q3 2026 Call Report it reported total assets of $838M, total deposits of $726M and net loans of $703M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST FREEDOM BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $838M in Q3 2026 and were lowest at $781M in Q1 2026.
Total deposits were highest at $726M in Q3 2026 and lowest at $677M in Q1 2026.
Over the whole period total assets rose 7.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $838M | $726M | $703M | 1.54% | 12.77% | 4.13% |
| Q2 2026 | $818M | $710M | $680M | 1.99% | 16.41% | 4.18% |
| Q1 2026 | $781M | $677M | $647M | 2.41% | 19.96% | 4.16% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $70.5M | $69.0M | +$1.5M | +2.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $19.2M | $19.7M | -$524K | -2.7% |
| Equity securities with readily determinable fair values, not held for trading | $5.6M | $5.5M | +$25K | +0.5% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $680.0M | $647.1M | +$32.9M | +5.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $13.0M | $13.0M | -$95K | -0.7% |
| Other real estate owned | $3.2M | $0K | +$3.2M | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $705K | $735K | -$30K | -4.1% |
| All other assets | $25.7M | $26.0M | -$267K | -1.0% |
| Total assets | $817.8M | $781.1M | +$36.7M | +4.7% |
| Liabilities | ||||
| Total deposits | $710.0M | $676.7M | +$33.3M | +4.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.2M | $8.1M | +$123K | +1.5% |
| Total liabilities | $718.2M | $684.8M | +$33.5M | +4.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.4M | $2.4M | $0K | 0.0% |
| Surplus | $35.2M | $35.1M | +$46K | +0.1% |
| Retained earnings | $62.3M | $59.2M | +$3.1M | +5.3% |
| Accumulated other comprehensive income | -$362K | -$389K | +$27K | +6.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $99.6M | $96.4M | +$3.2M | +3.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.2M | $3.5M | -$226K | -6.5% |
| Adjusted nonperforming assets | $3.2M | $3.5M | -$226K | -6.5% |
| Tangible equity plus allowance | $106.5M | $103.0M | +$3.5M | +3.4% |
| Texas ratio (gross) | 3.05% | 3.37% | -0.32 pts | See points |
| Texas ratio (adjusted) | 3.05% | 3.37% | -0.32 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.05% | 3.37% | -0.32 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.45% | 12.56% | -0.11 pts | See points |
| Construction and land loans to total capital | 97.93% | 90.18% | +7.75 pts | See points |
| Commercial real estate to total capital | 313.21% | 310.16% | +3.05 pts | See points |
| Dividend payout, year to date | 2.85% | 3.96% | -1.11 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.52% | -0.59% | +0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $526.1M | $504.2M | +$21.9M | +4.3% |
| Non-core funding | $183.9M | $172.4M | +$11.5M | +6.7% |
| Loans to core deposits | 130.71% | 129.80% | +0.91 pts | See points |
| Loans to deposits | 96.85% | 96.72% | +0.13 pts | See points |
| Brokered deposits share of deposits | 10.80% | 13.00% | -2.20 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 52.61% | 51.03% | +1.58 pts | See points |
| Volatile liabilities | $199.1M | $172.4M | +$26.7M | +15.5% |
| Earnings | ||||
| Earnings before provision, year to date | $10.8M | $6.4M | +$4.4M | +69.5% |
| Earnings before provision, single quarter | $4.4M | $6.4M | -$1.9M | -30.5% |
| Provision for credit losses, year to date | $758K | $329K | +$429K | +130.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.79% | 6.73% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.77% | 3.71% | +0.06 pts | See points |
| Total interest income to average assets | 6.15% | 6.10% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 1.31% | 1.35% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.58% | 1.59% | -0.00 pts | See points |
| Cost of time deposits | 3.69% | 3.65% | +0.05 pts | See points |
| Total interest expense to average assets | 2.18% | 2.12% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $838M | $726M | $703M | 1.54% | 12.77% | 4.13% |
| 2026-06-30 | $818M | $710M | $680M | 1.99% | 16.41% | 4.18% |
| 2026-03-31 | $781M | $677M | $647M | 2.41% | 19.96% | 4.16% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $669.7M | 0.29% | 57 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.