BlastPoint's Banking Scorecard
The Freedom Bank of Virginia
Community
Specialty: Commercial
VA
FDIC cert 57184
Fairfax, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
The Freedom Bank of Virginia faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Delinquency Rate 2.93% above tier
- - Nonperforming Asset Ratio 2.14% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-2.3% YoY
+3.4% QoQ
|
-$326.8M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$752.9M
-1.9% YoY
+1.5% QoQ
|
-$222.5M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$915.3M
+0.5% YoY
+7.0% QoQ
|
-$249.3M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.19%
-67.8% YoY
-71.2% QoQ
|
-0.98% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.88%
+13.2% YoY
-1.3% QoQ
|
-0.78% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
68.41%
-11.1% YoY
-1.1% QoQ
|
+5.77% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
3.56%
+99.5% YoY
+72.0% QoQ
|
+2.93% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
82.26%
-2.4% YoY
-5.1% QoQ
|
-0.80% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
16.45%
+11.0% YoY
+10.8% QoQ
|
-4.60% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
2.64%
+110.0% YoY
+77.2% QoQ
|
+2.14% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.82%
+1.9% YoY
-5.6% QoQ
|
+3.58% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.45%
+2.9% YoY
+26.2% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.19%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.56%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.64%
(Tier avg: 0.50%, National avg: 0.48%)
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
66
66th pctile
Tier 1 Capital Ratio
Current: 13.82% · Tier avg: 10.24%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.26% · Tier avg: 83.06%
55
55th pctile
Total Deposits
Current: $915.3M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $752.9M · Tier avg: $975.5M
43
43th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.45% · Tier avg: 21.05%
31
31th pctile
Efficiency Ratio
Current: 68.41% · Tier avg: 62.63%
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
4
4th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 3.56% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.64% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.64% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.56% · Tier avg: 0.63%
4
4th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
31
31th pctile
Efficiency Ratio
Current: 68.41% · Tier avg: 62.63%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.45% · Tier avg: 21.05%
43
43th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
54
54th pctile
Total Loans
Current: $752.9M · Tier avg: $975.5M
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Deposits
Current: $915.3M · Tier avg: $1.2B
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.26% · Tier avg: 83.06%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.82% · Tier avg: 10.24%