FDIC Cert #57184 · Fairfax, Virginia · Est. 2001

The Freedom Bank of Virginia - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.1B
Total assets
C
Health grade · Fair
0.19%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

The Freedom Bank of Virginia earns a PlainBankData health grade of C (60/100), with well-capitalized at 13.84% Tier 1, 0.19% ROA, 68% efficiency ratio.

#988
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
13.84%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57184 · VA C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3764/4307
  • PHOTO-FINISH Traditions First Bank · TN
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-HEALTHY 23.1% Texas
  • ROA-THIN 0.19% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Traditions First Bank, TN (±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 The Freedom Bank of Virginia

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

Morgan Stanley Bank,… · UT ·…100/100Champion Bank · CO · near60/100Independence Bank · RI · near60/100Members Trust Company · FL ·…60/100The Freedom Bank of… · VA · …60/100Traditions First Bank · TN ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Freedom Bank of Virginia · July 2026

What The Freedom Bank of Virginia's Call Report plate shows

The Freedom Bank of Virginia (FDIC Cert #57184) carries a PlainBankData health grade of C at 60/100, 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 #3,764 of 4,307. Tier 1 capital prints at 13.84%, clearing the 10% well-capitalized line. The Texas Ratio is 23.14%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.19%. Balance-sheet scale is $1.1B, 988th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Traditions First Bank (TN), 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 The Freedom Bank of Virginia

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

The Freedom Bank of Virginia's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Freedom Bank of Virginia remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

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

How The Freedom Bank of Virginia's 60/100 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 avg77/10060/100
The Freedom Bank of Virginia's composite health score
Tier 1 Capital Ratio (13.84%) 35/40
Return on Assets (ROA) (0.19%) 7/25
Texas Ratio (23.14%) 10/20
Efficiency Ratio (68.41%) 8/15

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

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$915M

Customer-funded liabilities

Net Loans

$753M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.44% 13.84% 15.24%
Basel III capital ratios - The Freedom Bank of Virginia

Where The Freedom Bank of Virginia ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Freedom Bank of Virginia's score of 60/100 falls in the highlighted band.

The Freedom Bank of Virginia: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Freedom Bank of Virginia 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

The Freedom Bank of Virginia'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). The Freedom Bank of Virginia's $1.1B falls in the highlighted band.

Safety ratios for The Freedom Bank of Virginia

Tier 1 capital ratio
Well-capitalized 10%

13.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.84%
Texas Ratio
23.14%
Equity Capital
$102M

What these ratios mean →

Profitability metrics: The Freedom Bank of Virginia

Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
1.97%
Efficiency Ratio
68.41%

What these mean →

Income & expense at The Freedom Bank of Virginia

$59M
Interest Income
$5M
Non-Interest Income
$23M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Freedom Bank of Virginia reports a Texas Ratio of 23.14% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

23.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Freedom Bank of Virginia on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Virginia so the neighborhood is not state containment.

Partners Bank of New England $1.1B · ME Generations Bank $1.1B · AR Bank of Wisconsin Dells $1.1B · WI Border Bank $1.1B · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Freedom Bank of Virginia (FDIC Cert #57184) - 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.

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

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%