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The Freedom Bank Of Virginia

IDRSSD: 3019982
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 3019982 held $1.1B in total assets as of 2026-03-31 (-1.2% quarter-over-quarter). Total loans stood at $775.3M (+3.0% QoQ) and total deposits at $917.9M (+0.3% QoQ).

Overall position is weak — the composite Health Score is 27/100 (Weak). Tier 1 / RWA stands at 13.50%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
27/100
Weak
Active Alerts
3
0 critical, 3 warning
Total Assets
$1.1B
-1.2% QoQ
Total Loans
$775.3M
+3.0% QoQ
Total Deposits
$917.9M
+0.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.50%
39th pctile · n=332↑ better
-33 bp QoQ
CET1 / RWA
13.50%
59th pctile · n=500↑ better
-32 bp QoQ
Total RBC / RWA
14.42%
37th pctile · n=332↑ better
-66 bp QoQ
Tier 1 Leverage Ratio
13.50%
59th pctile · n=500↑ better
-32 bp QoQ

Liquidity

Cash / Assets
0.00%
1th pctile · n=500↑ better
Loans / Deposits
84.47%
53th pctile · n=498↓ better
+221 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
2.79%
93th pctile · n=500↓ better
-71 bp QoQ
NPA / Assets
2.20%
94th pctile · n=500↓ better
-44 bp QoQ
Texas Ratio (regulatory)
18.67%
94th pctile · n=500↓ better
-296 bp QoQ
Net Charge-Offs / Avg Loans
3.23%
99th pctile · n=500↓ better
+313 bp QoQ
ALLL Coverage of NPL
35.28%
11th pctile · n=500↑ better
-1664 bp QoQ

Earnings

Net Interest Margin
2.86%
8th pctile · n=500↑ better
+5 bp QoQ
Return on Assets
0.60%
14th pctile · n=500↑ better
+183 bp QoQ
Return on Equity
6.15%
17th pctile · n=500↑ better
+1858 bp QoQ
Efficiency Ratio
76.14%
85th pctile · n=500↓ better
+1023 bp QoQ
Pre-tax NOI / Avg Assets
0.75%
14th pctile · n=500↑ better
+233 bp QoQ

Funding

Brokered / Deposits
26.33%
97th pctile · n=498↓ better
+416 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.12%
59th pctile · n=500↓ better
-205 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
16.65%
54th pctile · n=500↑ better
-4 bp QoQ
AFS Securities / Assets
14.92%
57th pctile · n=500↑ better
+3 bp QoQ
HTM Securities / Assets
1.74%
80th pctile · n=500↑ better
-7 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 02:45:57 UTC