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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Huntingburg, IN · FDIC certificate #35221
FREEDOM BANK is an FDIC-insured institution based in Huntingburg, IN (FDIC certificate #35221). In its Q3 2026 Call Report it reported total assets of $586M, total deposits of $509M and net loans of $495M. Its primary federal regulator is FDIC.
Plain-language readout
FREEDOM BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $586M in Q3 2026 and were lowest at $584M in Q1 2026.
Total deposits were highest at $509M in Q3 2026 and lowest at $504M in Q1 2026.
Over the whole period total assets rose 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $586M | $509M | $495M | 2.27% | 19.44% | 3.69% |
| Q2 2026 | $586M | $506M | $495M | 2.26% | 19.35% | 3.61% |
| Q1 2026 | $584M | $504M | $495M | 2.24% | 19.29% | 3.53% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $29.8M | $24.8M | +$5.0M | +20.3% |
| 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) | $42.0M | $45.8M | -$3.7M | -8.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $268K | $0K | +$268K | n/a |
| Net loans and leases (after allowance) | $494.9M | $495.0M | -$23K | -0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $2.8M | +$286K | +10.1% |
| Other real estate owned | $33K | $33K | $0K | 0.0% |
| 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) | $1.7M | $1.7M | $0K | 0.0% |
| All other assets | $13.8M | $13.6M | +$203K | +1.5% |
| Total assets | $585.7M | $583.7M | +$2.0M | +0.3% |
| Liabilities | ||||
| Total deposits | $505.7M | $504.5M | +$1.2M | +0.2% |
| 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 | $9.0M | $9.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $2.0M | +$16K | +0.8% |
| Total liabilities | $516.8M | $515.5M | +$1.2M | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $916K | $916K | $0K | 0.0% |
| Surplus | $7.6M | $7.6M | $0K | 0.0% |
| Retained earnings | $65.7M | $64.6M | +$1.1M | +1.7% |
| Accumulated other comprehensive income | -$5.2M | -$4.9M | -$296K | -6.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $69.0M | $68.2M | +$789K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $912K | +$284K | +31.1% |
| Adjusted nonperforming assets | $1.2M | $912K | +$284K | +31.1% |
| Tangible equity plus allowance | $74.6M | $73.8M | +$844K | +1.1% |
| Texas ratio (gross) | 1.60% | 1.24% | +0.37 pts | See points |
| Texas ratio (adjusted) | 1.60% | 1.24% | +0.37 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.60% | 1.24% | +0.37 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.14% | 13.77% | +0.37 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.14% | 13.77% | +0.37 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.39% | 15.03% | +0.37 pts | See points |
| Tier 1 leverage (approximate) | 12.62% | 12.67% | -0.04 pts | See points |
| Construction and land loans to total capital | 24.94% | 25.41% | -0.47 pts | See points |
| Commercial real estate to total capital | 151.63% | 156.31% | -4.69 pts | See points |
| Dividend payout, year to date | 64.32% | 63.37% | +0.94 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.05% | -6.75% | -0.30 pts | See points |
| Liquidity | ||||
| Core deposits | $450.3M | $449.6M | +$649K | +0.1% |
| Non-core funding | $64.4M | $63.8M | +$572K | +0.9% |
| Loans to core deposits | 111.55% | 111.70% | -0.15 pts | See points |
| Loans to deposits | 99.33% | 99.56% | -0.23 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 41.81% | 41.91% | -0.11 pts | See points |
| Volatile liabilities | $64.4M | $63.8M | +$572K | +0.9% |
| Earnings | ||||
| Earnings before provision, year to date | $6.5M | $3.1M | +$3.4M | +109.0% |
| Earnings before provision, single quarter | $3.4M | $3.1M | +$280K | +9.0% |
| Provision for credit losses, year to date | -$105K | -$161K | +$56K | +34.8% |
| Yield and cost | ||||
| Yield on loans and leases | 5.72% | 5.58% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.42% | 3.37% | +0.05 pts | See points |
| Total interest income to average assets | 5.33% | 5.23% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 2.15% | 2.07% | +0.08 pts | See points |
| Cost of savings and money market deposits | 2.09% | 2.10% | -0.01 pts | See points |
| Cost of time deposits | 3.58% | 3.62% | -0.04 pts | See points |
| Total interest expense to average assets | 1.80% | 1.82% | -0.02 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 | $586M | $509M | $495M | 2.27% | 19.44% | 3.69% |
| 2026-06-30 | $586M | $506M | $495M | 2.26% | 19.35% | 3.61% |
| 2026-03-31 | $584M | $504M | $495M | 2.24% | 19.29% | 3.53% |
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 |
|---|---|---|---|---|
| IN | $486.4M | 0.23% | 52 | Continuing · -0.00 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.