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Freedom Bank
Alamo, TX · FDIC Certificate #17881 · Chartered 07/1
Total assets
$301.21M
Total deposits
$246.38M
Total equity
$37.75M
Net loans
$169.29M
Branches (offices)
6
Net income (YTD)
$1.82M
Rank: #2,462 of 4,213 U.S. banks by assets · #213 of 346 in Texas. Assets changed 9.9% and deposits 12.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 9.68% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 12.53% |
| Tier 1 leverage ratio | 12.15% |
| Uninsured deposits (share of deposits) | 29.2% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 68.7% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $140.93M | 83.2% | |
| Commercial & industrial | $27.02M | 16.0% | |
| Consumer / individual | $2.62M | 1.6% | |
| Construction & development | $23.67M | 14.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $122.02M | $95.90M | -$32.00K | $25.86M |
| Jun 2023 | $172.12M | $144.45M | $494.00K | $27.37M |
| Jun 2024 | $232.85M | $183.09M | $1.10M | $33.81M |
| Jun 2025 | $274.12M | $219.15M | $2.77M | $38.02M |
| Jun 2026 | $301.21M | $246.38M | $1.82M | $37.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $246.38M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $246.38M.
Similar-sized banks
The Citizens Bank Of Winfield ($301.26M) · Collins State Bank ($301.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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