Freedom Bank, Inc.

Belington, West VirginiaFDIC Cert #15664

STATEEstablished 193910 branches

Holding company: FREEDOM BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$22.4M
Investor CRE	$81.8M
Multifamily	$12.9M
Construction	$17.2M
1–4 family	$126M
C&I	$16.6M
Agriculture	$1.23M
Other	$20.8M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$299M

+129.8%y/y

Percentile by value39th percentileby value

FDICLNLSGR

Net loans

$296M

+130.7%y/y

Percentile by value39th percentileby value

FDICLNLSNET

Loans YoY

+130.69%

+2,300.3%y/y

Percentile by value100th percentileby value

FDICLNLSNET

L/D

79.6%

+16.2%y/y

Percentile by value50th percentileby value

FDICLNLSNET + DEP

Loans/assets

70.4%

+14.5%y/y

Percentile by value55th percentileby value

FDICLNLSNET + ASSET

RE loans %

90.27%

−2.5%y/y

Percentile by value71st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,672points

−36.4%y/y

Peer standing21st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.49%

−4.2%y/y

Percentile by value25th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

27.36%

+83.3%y/y

Percentile by value86th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.57%

+4.0%y/y

Percentile by value20th percentileby value

FDICLNCI + LNLSGR