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Freedom Bank
Huntingburg, IN · FDIC Certificate #35221 · Chartered 11/2
Total assets
$585.74M
Total deposits
$505.70M
Total equity
$68.97M
Net loans
$495.20M
Branches (offices)
4
Net income (YTD)
$6.58M
Rank: #1,584 of 4,213 U.S. banks by assets · #35 of 87 in Indiana. Assets changed 3.9% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.26% |
| Return on equity | 19.35% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 11.78% |
| Tier 1 leverage ratio | 12.62% |
| Uninsured deposits (share of deposits) | 33.4% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 97.9% |
| Real estate loans (share of loans) | 88.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $436.75M | 88.2% | |
| Commercial & industrial | $18.08M | 3.7% | |
| Consumer / individual | $15.42M | 3.1% | |
| Construction & development | $20.15M | 4.1% | |
| Agricultural | $32.09M | 6.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $553.94M | $497.71M | $4.76M | $52.33M |
| Jun 2023 | $588.82M | $477.89M | $4.15M | $54.14M |
| Jun 2024 | $573.09M | $482.84M | $3.78M | $58.56M |
| Jun 2025 | $563.66M | $486.36M | $6.02M | $64.28M |
| Jun 2026 | $585.74M | $505.70M | $6.58M | $68.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $505.70M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $505.70M.
Similar-sized banks
Kingston National Bank ($586.28M) · First Kentucky Bank, Inc. ($585.56M)
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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