FDIC Cert #58208 · Lebanon, Tennessee · Est. 2006

First Freedom Bank - FDIC Bank Health Profile

A community-scale look at First Freedom Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$777M
Total assets
A
Health grade · Excellent
1.47%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

First Freedom Bank earns a PlainBankData health grade of A (90/100), with well-capitalized at 12.33% Tier 1, profitable at 1.47% ROA, efficient (50% cost ratio).

#1,282
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
12.33%
Tier 1 ratio - above the 10% well-capitalized line
73rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58208 · TN A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #804/4307
  • PHOTO-FINISH Belmont Bank & Trust… · IL
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 1.47% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Belmont Bank & Trust Company, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Freedom Bank

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Belmont Bank & Trust… · IL ·…90/100First Freedom Bank · TN · th…90/100River Bank & Trust · AL · ne…90/100Signature Bank · IL · near90/100Triad Bank · MO · near90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Freedom Bank · July 2026

What First Freedom Bank's Call Report plate shows

First Freedom Bank (FDIC Cert #58208) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #804 of 4,307. Tier 1 capital prints at 12.33%, clearing the 10% well-capitalized line. The Texas Ratio is 0.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.47%. Balance-sheet scale is $777M, 1,282nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Belmont Bank & Trust Company (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Freedom Bank

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

First Freedom Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Freedom Bank remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How First Freedom Bank's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
First Freedom Bank's composite health score
Tier 1 Capital Ratio (12.33%) 35/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (49.54%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$777M

Total balance-sheet footings

Total Deposits

$666M

Customer-funded liabilities

Net Loans

$642M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.93% 12.33% 13.73%
Basel III capital ratios - First Freedom Bank

Where First Freedom Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Freedom Bank's score of 90/100 falls in the highlighted band.

First Freedom Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 19% higher than 81% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First Freedom Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Freedom Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Freedom Bank's $777M falls in the highlighted band.

Safety ratios for First Freedom Bank

Tier 1 capital ratio
Well-capitalized 10%

12.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.33%
Texas Ratio
0.56%
Equity Capital
$92M

What these ratios mean →

Earnings posture at First Freedom Bank

Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
13.01%
Efficiency Ratio
49.54%

What these mean →

Income & expense at First Freedom Bank

$46M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Freedom Bank reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Freedom Bank on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($777M here), outside Tennessee so the neighborhood is not state containment.

OPTUS Bank $778M · SC Itasca Bank & Trust Co. $777M · IL The North Salem State Bank $776M · IN First Community Bank $779M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Freedom Bank (FDIC Cert #58208) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Freedom Bank Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%