BlastPoint's Banking Scorecard
Freedom Bank
Community
Specialty: Commercial
NJ
FDIC cert 58712
Maywood, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Freedom Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$812.5M
+5.7% YoY
-0.2% QoQ
|
-$579.0M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$716.3M
+8.0% YoY
+2.2% QoQ
|
-$259.2M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$707.0M
+9.7% YoY
+5.3% QoQ
|
-$457.6M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.66%
+28.3% YoY
-0.2% QoQ
|
-0.50% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.91%
+12.9% YoY
+3.4% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
68.23%
-7.7% YoY
+1.2% QoQ
|
+5.60% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.27%
-11.8% YoY
-2.1% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
101.31%
-1.5% YoY
-3.0% QoQ
|
+18.24% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.38%
-6.5% YoY
-10.1% QoQ
|
-9.66% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-9.8% YoY
+0.2% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
11.90%
-4.9% YoY
-0.8% QoQ
|
+1.66% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.08%
+4.9% YoY
+33.3% QoQ
|
-0.66% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.08%
(Tier avg: 0.74%, National avg: 0.65%)
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
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
51
51th pctile
Total Loans
Current: $716.3M · Tier avg: $975.5M
46
46th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 10.24%
39
39th pctile
Total Deposits
Current: $707.0M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $812.5M · Tier avg: $1.4B
31
31th pctile
Efficiency Ratio
Current: 68.23% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.38% · Tier avg: 21.05%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.31% · Tier avg: 83.06%
2
2th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.31% · Tier avg: 83.06%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.38% · Tier avg: 21.05%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 68.23% · Tier avg: 62.63%
36
36th pctile
Total Assets
Current: $812.5M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $707.0M · Tier avg: $1.2B
46
46th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 10.24%
51
51th pctile
Total Loans
Current: $716.3M · Tier avg: $975.5M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%