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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Belington, WV · FDIC certificate #15664
FREEDOM BANK INC is an FDIC-insured institution based in Belington, WV (FDIC certificate #15664). In its Q3 2026 Call Report it reported total assets of $431M, total deposits of $387M and net loans of $313M. Its primary federal regulator is FDIC.
Plain-language readout
FREEDOM BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $431M in Q3 2026 and were lowest at $420M in Q1 2026.
Total deposits were highest at $387M in Q3 2026 and lowest at $372M in Q1 2026.
Over the whole period total assets rose 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $431M | $387M | $313M | 1.43% | 13.87% | 4.80% |
| Q2 2026 | $430M | $380M | $310M | 1.48% | 13.85% | 4.75% |
| Q1 2026 | $420M | $372M | $296M | 1.31% | 12.37% | 4.70% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.2M | $21.1M | -$4.9M | -23.1% |
| Federal funds sold | $281K | $0K | +$281K | 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) | $76.5M | $75.5M | +$1.1M | +1.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $310.0M | $296.0M | +$14.0M | +4.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.0M | $7.1M | -$109K | -1.5% |
| Other real estate owned | $35K | $215K | -$180K | -83.7% |
| 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) | $2.5M | $2.7M | -$158K | -5.9% |
| All other assets | $17.2M | $17.8M | -$604K | -3.4% |
| Total assets | $429.7M | $420.3M | +$9.4M | +2.2% |
| Liabilities | ||||
| Total deposits | $380.4M | $371.9M | +$8.5M | +2.3% |
| 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 | $3.1M | $3.3M | -$213K | -6.5% |
| Total liabilities | $383.5M | $375.2M | +$8.3M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $5.8M | $5.8M | $0K | 0.0% |
| Retained earnings | $45.0M | $44.2M | +$791K | +1.8% |
| Accumulated other comprehensive income | -$4.7M | -$4.9M | +$259K | +5.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $46.2M | $45.1M | +$1.1M | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.2M | -$21K | -1.8% |
| Adjusted nonperforming assets | $1.1M | $1.2M | -$21K | -1.8% |
| Tangible equity plus allowance | $46.7M | $45.3M | +$1.4M | +3.1% |
| Texas ratio (gross) | 2.46% | 2.58% | -0.12 pts | See points |
| Texas ratio (adjusted) | 2.46% | 2.58% | -0.12 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | 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) | 11.40% | 11.37% | +0.03 pts | See points |
| Construction and land loans to total capital | 32.93% | 34.23% | -1.30 pts | See points |
| Commercial real estate to total capital | 239.21% | 222.77% | +16.45 pts | See points |
| Dividend payout, year to date | 30.59% | 0.00% | +30.59 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -12.65% | -13.65% | +1.00 pts | See points |
| Liquidity | ||||
| Core deposits | $362.8M | $359.7M | +$3.1M | +0.9% |
| Non-core funding | $17.7M | $12.2M | +$5.5M | +44.7% |
| Loans to core deposits | 86.29% | 83.09% | +3.20 pts | See points |
| Loans to deposits | 82.27% | 80.36% | +1.92 pts | See points |
| Brokered deposits share of deposits | 1.32% | 0.00% | +1.32 pts | See points |
| Pledged securities share of securities | 28.56% | 29.59% | -1.03 pts | See points |
| Loans pledged, share of loans | 49.58% | 51.98% | -2.40 pts | See points |
| Volatile liabilities | $17.7M | $12.2M | +$5.5M | +44.7% |
| Earnings | ||||
| Earnings before provision, year to date | $4.1M | $1.8M | +$2.3M | +125.9% |
| Earnings before provision, single quarter | $2.3M | $1.8M | +$465K | +25.9% |
| Provision for credit losses, year to date | $361K | $158K | +$203K | +128.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.90% | 6.86% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.00% | 2.65% | +0.35 pts | See points |
| Total interest income to average assets | 5.71% | 5.60% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 1.19% | 1.11% | +0.08 pts | See points |
| Cost of savings and money market deposits | 1.53% | 1.43% | +0.11 pts | See points |
| Cost of time deposits | 3.27% | 3.34% | -0.07 pts | See points |
| Total interest expense to average assets | 1.28% | 1.27% | +0.01 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 | $431M | $387M | $313M | 1.43% | 13.87% | 4.80% |
| 2026-06-30 | $430M | $380M | $310M | 1.48% | 13.85% | 4.75% |
| 2026-03-31 | $420M | $372M | $296M | 1.31% | 12.37% | 4.70% |
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 |
|---|---|---|---|---|
| WV | $184.5M | 0.39% | 43 | 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.