Freehold Bank
Freehold, NJ
IDRSSD: 588478
Total Assets
$265.45M
Latest filing
Total Deposits
$189.79M
Latest filing
Net Interest Margin
1.70%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1869 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 07728 |
| State and County Number | 34025 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 33 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/05/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 30519 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $265.45M |
| Total Deposits | $189.79M |
| Total Liabilities | $219.07M |
| Total Equity Capital | $46.39M |
| Net Income | $633.00k |
| Net Loans and Leases | $148.26M |
| Assets Per Employee ($Millions) | $13.27M |
| Bank Premises and Fixed Assets | $5.54M |
| Cash and Balances due from Depository Institutions | $14.81M |
| Deposits Held in Domestic Offices | $189.79M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 5.59% |
| Net Interest Margin | 1.7% |
| Efficiency Ratio | 62.27% |
| Tier 1 Risk-Based Capital Ratio | 25.416% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.47% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.474% |
| Earning Assets to total Assets | 89.75% |
Income and Expense
| Total Interest Income | $2.67M |
| Total Noninterest Income | $87.00k |
| Total Interest Expense | $1.61M |
| Total Noninterest Expense | $713.00k |
| Net Interest Income | $1.06M |
| Pre-tax Net Operating Income | $757.00k |
| Provision for Credit Losses | $-325,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $28.15M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.13M |
| Total Liabilities and Capital | $265.45M |
Securities
| Securities | $77.56M |
| Available-for-sale debt securities | $77.56M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Freehold Bank?
$265.45M as of the latest filing.
How much are Freehold Bank's total deposits?
$189.79M in total deposits.
Where is Freehold Bank located?
Freehold, NJ.
What is the Net Interest Margin?
1.70%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1869.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$148.26M (latest filing).
What is the total interest income (latest filing)?
$2.67M.