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First Freedom Bank
Lebanon, TN · FDIC Certificate #58208 · Chartered 04/0
Total assets
$817.79M
Total deposits
$710.03M
Total equity
$99.56M
Net loans
$680.04M
Branches (offices)
6
Net income (YTD)
$7.87M
Rank: #1,230 of 4,213 U.S. banks by assets · #41 of 109 in Tennessee. Assets changed 7.3% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 16.41% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 12.17% |
| Tier 1 leverage ratio | 12.45% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 76.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $523.28M | 76.9% | |
| Commercial & industrial | $120.30M | 17.7% | |
| Consumer / individual | $28.36M | 4.2% | |
| Construction & development | $104.75M | 15.4% | |
| Agricultural | $167.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $631.72M | $558.82M | $5.59M | $65.05M |
| Jun 2023 | $638.26M | $558.08M | $4.87M | $71.14M |
| Jun 2024 | $693.05M | $607.94M | $4.50M | $76.07M |
| Jun 2025 | $761.85M | $669.73M | $4.89M | $85.71M |
| Jun 2026 | $817.79M | $710.03M | $7.87M | $99.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $710.03M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $710.03M.
Similar-sized banks
Wilson & Muir Bank & Trust Company ($818.40M) · First Option Bank ($817.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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