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Freedom Bank, Inc.
Belington, WV · FDIC Certificate #15664 · Chartered 05/1
Total assets
$429.71M
Total deposits
$380.44M
Total equity
$46.18M
Net loans
$309.98M
Branches (offices)
9
Net income (YTD)
$3.13M
Rank: #1,965 of 4,213 U.S. banks by assets · #14 of 41 in West Virginia. Assets changed 108.7% and deposits 106.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 13.85% |
| Net interest margin (YTD) | 4.75% |
| Equity to assets | 10.75% |
| Tier 1 leverage ratio | 11.40% |
| Uninsured deposits (share of deposits) | 13.2% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 81.5% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $272.25M | 87.8% | |
| Commercial & industrial | $20.29M | 6.5% | |
| Consumer / individual | $11.45M | 3.7% | |
| Construction & development | $16.91M | 5.5% | |
| Agricultural | $147.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $208.79M | $192.43M | $678.00K | $13.73M |
| Jun 2023 | $208.12M | $183.93M | $862.00K | $15.54M |
| Jun 2024 | $213.22M | $188.15M | $941.00K | $17.07M |
| Jun 2025 | $205.93M | $184.50M | $1.07M | $18.67M |
| Jun 2026 | $429.71M | $380.44M | $3.13M | $46.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $380.44M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $380.44M.
Similar-sized banks
Bank Of The Lowcountry ($430.23M) · Peoples State Bank Of Plainview ($429.06M)
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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