TellerScore

Headquartered in Fairfax, Virginia, The Freedom Bank of Virginia is a state-chartered bank (fed member) with $1.0B in total assets and $875.0M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 2001.

The Freedom Bank of Virginia has a TellerScore of 40 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 56th. Capital cushion contributes the most (61/100, 11.06%); loan quality contributes the least (0/100, 3.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.06%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.26%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 87.9% · 24.9% uninsured
Problem-loan coverage54/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 23.20%

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 18 points (58 → 40), mostly because the loan quality component weakened by 52 points.

TellerScore
395060Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202454
Q4 202453
Q1 202560
Q2 202558
Q3 202553
Q4 202539
Q1 202643
Q2 202640
Tier 1 leverage ratio
5.00%8.12%11.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.28%
Q3 202410.23%
Q4 202410.39%
Q1 202510.76%
Q2 202510.66%
Q3 202511.23%
Q4 202511.05%
Q1 202610.70%
Q2 202611.06%
Noncurrent loans
1.41%2.45%3.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.48%
Q3 20241.51%
Q4 20241.77%
Q1 20251.41%
Q2 20251.43%
Q3 20252.05%
Q4 20253.49%
Q1 20262.79%
Q2 20263.26%
Return on assets
0.19%0.54%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.59%
Q4 20240.59%
Q1 20250.89%
Q2 20250.69%
Q3 20250.65%
Q4 20250.19%
Q1 20260.60%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202640$1.0B11.06%3.26%0.45%87.9%
Q1 202643$1.1B10.70%2.79%0.60%84.5%
Q4 202539$1.1B11.05%3.49%0.19%82.3%
Q3 202553$1.0B11.23%2.05%0.65%86.7%
Q2 202558$1.1B10.66%1.43%0.69%80.5%
Q1 202560$1.1B10.76%1.41%0.89%82.5%
Q4 202453$1.1B10.39%1.77%0.59%84.2%
Q3 202454$1.1B10.23%1.51%0.59%86.9%
Q2 202456$1.1B10.28%1.48%0.74%87.5%

897 peers · $1 billion – $10 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).

Capital ratio11.06%
61st
Total risk-based capital14.63%
62nd
Problem loans3.26%
3rd
Net charge-offs1.65%
3rd
Return on assets0.45%
7th
Net interest margin2.90%
12th
Efficiency ratio79.0%
8th
Loans to deposits87.9%
48th
Uninsured deposits24.9%
70th
Loan-loss reserves1.04%
36th
Texas ratio23.2%
3rd

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of the JamesBank Lynchburg, VA69 out of 100, Moderate$1.0B9.4%0.16%vs
First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs
Trustar BankBank Great Falls, VA58 out of 100, Moderate$1.1B9.4%0.39%vs
Skyline National BankBank Independence, VA66 out of 100, Moderate$1.3B8.8%0.34%vs
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs

Deposit insurance

Is my money safe at The Freedom Bank of Virginia?

Yes. The Freedom Bank of Virginia is an FDIC-insured institution (FDIC certificate #57184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.9% of deposits ($217.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.63% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Freedom Bank of Virginia lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Freedom Bank of Virginia reported 309 home-loan applications under HMDA (LEI 5493005H0NK3SWWY4384): 279 originated ($151,995,000 total), 28 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Freedom Bank of Virginia
Type
State-chartered bank (Fed member)
FDIC certificate #
57184
RSSD ID
3019982
Primary regulator
FED
Holding company
Freedom Financial Holdings Inc
Established
July 23, 2001
Headquarters
10555 Main St, Fairfax, VA 22030
Employees
101

Quick answers

The Freedom Bank of Virginia: common questions

Is The Freedom Bank of Virginia FDIC insured?

Yes. The Freedom Bank of Virginia is an FDIC-insured institution (FDIC certificate #57184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Freedom Bank of Virginia's TellerScore?

40 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Freedom Bank of Virginia ever failed?

There is no failure record for FDIC certificate #57184 in the FDIC failed bank list.

How many branches does The Freedom Bank of Virginia have?

6 offices as of the latest FDIC data.

Nearby

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