Headquartered in Alamo, Texas, Freedom Bank is a state-chartered bank with $301.2M in total assets and $246.4M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1958.
Freedom Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 94th. Problem-loan coverage contributes the most (98/100, 1.0%); earnings contributes the least (68/100, 1.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (86 → 80), mostly because the earnings component weakened by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 81 |
| Q1 2025 | 78 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 83 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.26% |
| Q3 2024 | 13.92% |
| Q4 2024 | 13.59% |
| Q1 2025 | 13.21% |
| Q2 2025 | 13.42% |
| Q3 2025 | 13.10% |
| Q4 2025 | 11.97% |
| Q1 2026 | 12.09% |
| Q2 2026 | 12.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.25% |
| Q1 2025 | 1.32% |
| Q2 2025 | 2.07% |
| Q3 2025 | 1.79% |
| Q4 2025 | 1.55% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $301.2M | 12.15% | 0.17% | 1.21% | 68.7% |
| Q1 2026 | 80 | $303.8M | 12.09% | 0.20% | 1.38% | 68.4% |
| Q4 2025 | 83 | $301.6M | 11.97% | 0.00% | 1.55% | 70.0% |
| Q3 2025 | 87 | $299.4M | 13.10% | 0.15% | 1.79% | 70.3% |
| Q2 2025 | 86 | $274.1M | 13.42% | 0.40% | 2.07% | 75.4% |
| Q1 2025 | 78 | $268.3M | 13.21% | 0.65% | 1.32% | 73.8% |
| Q4 2024 | 81 | $262.6M | 13.59% | 0.42% | 1.25% | 74.0% |
| Q3 2024 | 84 | $243.0M | 13.92% | 0.00% | 1.06% | 82.0% |
| Q2 2024 | 84 | $232.8M | 14.26% | 0.10% | 1.00% | 80.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Llano National BankBank Llano, TX | 80 out of 100, Strong | $301.1M | 13.1% | 0.45% | vs |
| Citizens National Bank at BrownwoodBank Brownwood, TX | 74 out of 100, Strong | $303.4M | 10.5% | 0.74% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Arrowhead BankBank Llano, TX | 87 out of 100, Very strong | $295.3M | 11.9% | 0.00% | vs |
| Coleman County State BankBank Coleman, TX | 78 out of 100, Strong | $295.1M | 8.6% | 0.05% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
Deposit insurance
Is my money safe at Freedom Bank?
Yes. Freedom Bank is an FDIC-insured institution (FDIC certificate #17881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.2% of deposits ($72.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Freedom Bank lists 6 offices in 6 cities. Most locations:
- Alamo, TX (1)
- Edinburg, TX (1)
- Freer, TX (1)
- Mcallen, TX (1)
- Mission, TX (1)
- San Diego, TX (1)
Identity & history
Profile
- Legal name
- Freedom Bank
- Former names
- First State Bank; Brush Country Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17881
- RSSD ID
- 432058
- Primary regulator
- FDIC
- Holding company
- Aob Ventures Inc
- Established
- July 12, 1958
- Headquarters
- 533 N Alamo Rd, Alamo, TX 78516
- Website
- www.freedombanktexas.com
- Employees
- 61
Quick answers
Freedom Bank: common questions
Is Freedom Bank FDIC insured?
Yes. Freedom Bank is an FDIC-insured institution (FDIC certificate #17881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Freedom Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Freedom Bank ever failed?
There is no failure record for FDIC certificate #17881 in the FDIC failed bank list.
How many branches does Freedom Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Alamo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Highway District 21 Federal Credit UnionCredit union McAllen, TX | 95 out of 100, Very strong | $51.6M | 23.1% | 0.23% | vs |
| Naft Federal Credit UnionCredit union Pharr, TX | 93 out of 100, Very strong | $162.3M | 16.4% | 0.50% | vs |
| Bank of South TexasBank Mcallen, TX | 86 out of 100, Very strong | $174.5M | 16.6% | 0.23% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Edinburg Teachers Credit UnionCredit union Edinburg, TX | 85 out of 100, Very strong | $98.0M | 22.6% | 0.12% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |