Liquidity
StableQoQ +7
64
Sub-score
Liquidity is stable: brokered 25.6%, loans/deposits 82.5%, cash 4.2% of assets.
- Cash / Assets
- 4.21%
- Loans / Deposits
- 82.48%
- Brokered %
- 25.58%
No watch items at this period.
The Freedom Bank Of Virginia
IDRSSD: 3019982
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ +7
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #3019982 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↑ +7 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization↑ +4
- Asset Quality↑ +14
- Reserves↑ +10
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.84%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +4
96
Sub-score
Capital position is strong: Tier 1 RBC 14.14%, CET1 14.14%, leverage 10.76%.
- Tier 1 RBC
- 14.14%
- CET1
- 14.14%
- Leverage
- 10.76%
No watch items at this period.
Asset Quality
StrongQoQ +14
91
Sub-score
Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 8.6%, NCO YTD 0.14%.
- Adjusted NPL
- 1.43%
- Texas Ratio
- 8.6%
- NCO YTD
- 0.14%
- 30-89 PD
- 0.36%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ +10
30
Sub-score
Reserves are weak: ALLL 0.87% of loans, coverage 61.5%, true coverage 61.5%.
- ALLL / Loans
- 0.87%
- Coverage
- 61.5%
- True Loss Coverage
- 61.5%
No watch items at this period.
Methodology + sources
- Vital Signs Score
- Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See
functions/src/vitalSignsScore.tsfor the complete formula and band anchors. - Period addressing
- Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
- Source data
- FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via
CallReport_Financials+CallReport_FdicData(Visbanking nightly ingest).
Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-14 02:45:22 UTC