BlastPoint's Banking Scorecard
Freedom Bank
Micro
Specialty: Commercial
TX
FDIC cert 17881
Designations: ✓ Community bank
Alamo, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Freedom Bank shows strong momentum with 1 strength and 14.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$301.6M
+14.9% YoY
+0.7% QoQ
|
+$84.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$172.9M
+11.3% YoY
+1.0% QoQ
|
+$33.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$247.0M
+17.6% YoY
+1.4% QoQ
|
+$63.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.55%
+23.5% YoY
-13.5% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.14%
-2.4% YoY
-0.2% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
63.60%
-2.7% YoY
+7.4% QoQ
|
-4.13% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
69.99%
-5.4% YoY
-0.4% QoQ
|
-4.54% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
22.49%
-6.2% YoY
+2.0% QoQ
|
+0.10% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.27%
+7.9% YoY
-18.1% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
+50.1% YoY
+9.2% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Delinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
72
72th pctile
Total Assets
Current: $301.6M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $247.0M · Tier avg: $183.7M
67
67th pctile
Total Loans
Current: $172.9M · Tier avg: $139.2M
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
61
61th pctile
Loan-to-Deposit Ratio
Current: 69.99% · Tier avg: 74.53%
57
57th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 67.73%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.49% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
Top Weaknesses
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.49% · Tier avg: 22.39%
57
57th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 67.73%
61
61th pctile
Loan-to-Deposit Ratio
Current: 69.99% · Tier avg: 74.53%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
67
67th pctile
Total Loans
Current: $172.9M · Tier avg: $139.2M
70
70th pctile
Total Deposits
Current: $247.0M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $301.6M · Tier avg: $217.5M
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%