Freedom Bank Inc (FDIC #15664): Bank Stress & Real-Estate Credit Exposure
Freedom Bank Inc (FDIC Cert #15664): bank stress 58/100, moderate, STABLE over 7 days; parent FREEDOM BANCSHARES INC.
Freedom Bank Inc (#15664) lends in 5 counties across 1 state; Freedom Bank Inc (#15664) reaches 74 ZIP codes: West Virginia 5 counties, 74 ZIPs.
Freedom Bank Inc (#15664) largest markets: Randolph County, WV (23 branches, 23 ZIPs) (#15664), Harrison County, WV (44 branches, 22 ZIPs) (#15664), Marion County, WV (36 branches, 18 ZIPs) (#15664), Barbour County, WV (36 branches, 12 ZIPs) (#15664), Upshur County, WV (12 branches, 12 ZIPs) (#15664).
Freedom Bank Inc (#15664) reports $429.7 million in total assets; Freedom Bank Inc (#15664) equity $46.2 million (10.7% of Freedom Bank Inc (#15664) assets); Freedom Bank Inc (#15664) domestic deposits $380.4 million; Freedom Bank Inc (#15664) net income $3.1 million; Freedom Bank Inc (#15664) return on assets 1.48%; Freedom Bank Inc (#15664) return on equity 13.85%; Freedom Bank Inc (#15664) net interest income $9.3 million; Freedom Bank Inc (#15664) call report June 30, 2026.
Freedom Bank Inc (#15664) noncurrent real-estate loans: none reported; Freedom Bank Inc (#15664) net charge-offs on real estate 0.39%; Freedom Bank Inc (#15664) residential charge-offs 0.26%.
Freedom Bank Inc (#15664) net interest margin 4.75% against an eight-quarter Freedom Bank Inc (#15664) average of 4.17% (Freedom Bank Inc (#15664) compression -0.59 points); Freedom Bank Inc (#15664) real-estate loans 0.3% of equity; Freedom Bank Inc (#15664) non-residential real estate 26.4% of equity; Freedom Bank Inc (#15664) rate-exposure score 40/100, Freedom Bank Inc (#15664) fixed-rate trap 40/100; Freedom Bank Inc (#15664) risk type credit driven; Freedom Bank Inc (#15664) rate regime rates elevated, Freedom Bank Inc (#15664) snapshot October 20, 2026.
Freedom Bank Inc (#15664) stress score moved from 60.2 on June 22, 2026 to 58.4 on October 20, 2026; Freedom Bank Inc (#15664) ranged 58.4 to 60.2 over 117 snapshots.
Freedom Bank Inc (#15664) alerts: 5 counties; top Freedom Bank Inc (#15664) alert scores: Buckhannon County, WV 20 (low); Clarksburg County, WV 20 (low); Elkins County, WV 20 (low); Farmington County, WV 20 (low); Philippi County, WV 20 (low).