Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	02/22/1999
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	50266
State and County Number	19049
Subchapter S Corporations	Yes
Trust Powers	N/A
Federal Reserve ID Number	07
Numeric code	13
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Kansas City
Core Based Statistical Area Name	Des Moines-West Des Moines, IA

Operational Info

Number of Employees	18
Domestic Offices	2
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	06/30/2024
Date of Deposit Insurance	02/22/1999
Primary Insurance Agency	DIF
Website	www.freedomfinancialbank.com
Data Updated	01/30/2026
CERT	35031
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$273.81M
Total Deposits	$202.01M
Total Liabilities	$248.96M
Total Equity Capital	$24.85M
Net Income	$680.00k
Net Loans and Leases	$230.44M
Assets Per Employee ($Millions)	$15.21M
Bank Premises and Fixed Assets	$4.29M
Cash and Balances due from Depository Institutions	$21.84M
Deposits Held in Domestic Offices	$202.01M

Return on Assets (ROA)	1.01%
Return on Equity (ROE)	10.98%
Net Interest Margin	3.47%
Efficiency Ratio	45.72%
Tier 1 Risk-Based Capital Ratio	9.998%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.81%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.075%
Earning Assets to total Assets	96.23%

Total Interest Income	$3.92M
Total Noninterest Income	$35.00k
Total Interest Expense	$1.67M
Total Noninterest Expense	$1.05M
Net Interest Income	$2.26M
Pre-tax Net Operating Income	$699.00k
Provision for Credit Losses	$545.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$0
Other borrowed funds	$45.05M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$1.90M
Total Liabilities and Capital	$273.81M

Securities	$13.30M
Available-for-sale debt securities	$5.60M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$7.70M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Freedom Financial Bank?

$273.81M as of the latest filing.

How much are Freedom Financial Bank's total deposits?

$202.01M in total deposits.

Where is Freedom Financial Bank located?

West Des Moines, IA.

What is the Net Interest Margin?

3.47%.

How many domestic offices does it operate?

When was it established?

02/22/1999.

What is the Return on Assets (ROA)?

1.01%.

How much are total loans and leases?

$230.44M (latest filing).

What is the total interest income (latest filing)?

$3.92M.