Is Freehold Bank Safe?
Freehold Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (35/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 23.14% | 100/100 |
| Nonperforming Loan Ratio | 0.08% | 98/100 |
| Liquidity Ratio | 32.11% | 100/100 |
| Return on Assets | 0.38% | 35/100 |
| Total Assets | $0.3B | |
How does Freehold Bank compare?
With a Bank Health Score of 93/100, Freehold Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within New Jersey, where 48 FDIC-insured banks are headquartered, Freehold Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 23.14% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.08% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Freehold Bank's Bank Health Score improved by 1.0 points to 93/100. Tier 1 capital strengthened by 1.53 percentage points to 23.14%. Quarter-over-quarter, the score fell by 1.0 points.
Freehold Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (35/100).