Freedom Bank is a state-chartered bank headquartered in Huntingburg, Indiana, in business for about 27 years. At the end of Q2 2026 it reported $585.7M in total assets and $505.7M in deposits, with 4 offices.
Freedom Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 7th. Earnings contributes the most (100/100, 2.26%); funding & liquidity contributes the least (42/100, 98% loans-to-deposits, 33% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 83 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.64% |
| Q3 2024 | 11.68% |
| Q4 2024 | 12.01% |
| Q1 2025 | 12.18% |
| Q2 2025 | 12.36% |
| Q3 2025 | 12.40% |
| Q4 2025 | 12.37% |
| Q1 2026 | 12.67% |
| Q2 2026 | 12.62% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.55% |
| Q1 2025 | 2.08% |
| Q2 2025 | 2.12% |
| Q3 2025 | 2.07% |
| Q4 2025 | 2.03% |
| Q1 2026 | 2.24% |
| Q2 2026 | 2.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $585.7M | 12.62% | 0.23% | 2.26% | 97.9% |
| Q1 2026 | 83 | $583.7M | 12.67% | 0.18% | 2.24% | 98.1% |
| Q4 2025 | 82 | $578.8M | 12.37% | 0.18% | 2.03% | 100.2% |
| Q3 2025 | 82 | $574.4M | 12.40% | 0.19% | 2.07% | 97.8% |
| Q2 2025 | 82 | $563.7M | 12.36% | 0.21% | 2.12% | 99.4% |
| Q1 2025 | 82 | $569.1M | 12.18% | 0.18% | 2.08% | 97.2% |
| Q4 2024 | 77 | $569.5M | 12.01% | 0.16% | 1.55% | 98.9% |
| Q3 2024 | 76 | $560.9M | 11.68% | 0.07% | 1.33% | 97.5% |
| Q2 2024 | 75 | $573.1M | 11.64% | 0.09% | 1.30% | 96.6% |
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 Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings BankBank Evansville, IN | 61 out of 100, Moderate | $575.6M | 9.5% | 0.24% | vs |
| Crossroads BankBank Wabash, IN | 57 out of 100, Moderate | $616.1M | 9.5% | 1.41% | vs |
| First Federal Savings BankBank Huntington, IN | 54 out of 100, Below average | $553.6M | 10.5% | 1.88% | vs |
| Community State BankBank Avilla, IN | 63 out of 100, Moderate | $553.6M | 9.5% | 0.48% | vs |
| DeMotte State BankBank Demotte, IN | 54 out of 100, Below average | $622.0M | 11.9% | 3.55% | vs |
| The Friendship State BankBank Friendship, IN | 66 out of 100, Moderate | $543.8M | 8.8% | 0.37% | vs |
Deposit insurance
Is my money safe at Freedom Bank?
Yes. Freedom Bank is an FDIC-insured institution (FDIC certificate #35221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.4% of deposits ($168.7M) 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 12.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.39% (benchmark: 10%).
4 locations
Branches
Freedom Bank lists 4 offices in 4 cities. Most locations:
- Dale, IN (1)
- Huntingburg, IN (1)
- Jasper, IN (1)
- Rockport, IN (1)
Identity & history
Profile
- Legal name
- Freedom Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35221
- RSSD ID
- 2858492
- Primary regulator
- FDIC
- Holding company
- Freedom Bcorp
- Established
- November 22, 1999
- Headquarters
- 1405 N Main St, Huntingburg, IN 47542
- Website
- www.thatsfreedom.bank
- Employees
- 66
Quick answers
Freedom Bank: common questions
Is Freedom Bank FDIC insured?
Yes. Freedom Bank is an FDIC-insured institution (FDIC certificate #35221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Freedom Bank's TellerScore?
82 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 #35221 in the FDIC failed bank list.
How many branches does Freedom Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Huntingburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springs Valley Bank & Trust CompanyBank French Lick, IN | 81 out of 100, Strong | $675.3M | 12.5% | 0.14% | vs |
| Origins Credit UnionCredit union Indianapolis, IN | 79 out of 100, Strong | $43.7M | 16.3% | 0.25% | vs |
| Heritage Federal Credit UnionCredit union Newburgh, IN | 77 out of 100, Strong | $1.0B | 12.3% | 0.33% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Dubois-Pike Federal Credit UnionCredit union Jasper, IN | 72 out of 100, Strong | $48.9M | 10.2% | 0.34% | vs |
| LNB Community BankBank Lynnville, IN | 69 out of 100, Moderate | $181.0M | 9.4% | 0.23% | vs |