Community Reinvestment Act Public File

At Freedom Bank, our aim is to create a beneficial influence within our local communities and we are dedicated to addressing the financial requirements of these communities. Freedom Bank is pleased to offer accessible information for public review as per the Community Reinvestment Act (CRA). By making this information available online, Freedom Bank ensures its up-to-date accessibility for everyone’s convenience.

In compliance with CRA requirements, the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically.

CRA Performance Evaluation

A copy of Freedom Bank’s most recent CRA Performance Evaluation can be found below.

CRA Performance Evaluation

Written Comments

All written comments received for the current year and each year of the prior two calendar years relating specifically to the bank’s performance in helping meet the community credit needs and response to the comments by the bank.

Public Comments

Branch and ATM Information

Freedom Bank has one location, with no branches. Information on location and ATM location can be found below.

Hours, Address, and ATM Location

Opened and Closed Branches and ATMs

Freedom Bank has had no Branches or ATMs closed or open during the current year or each of the prior two calendar years.

List of Products Services and Fee Schedules

A list of services (loan and deposit products) offered by Freedom Bank can be found below.

Personal Products and Services Offered

Business Products and Services Offered

Assessment Area and CRA Disclosure Statement

A map of Freedom Bank’s assessment area showing boundaries of the area and Freedom Bank ‘s CRA Disclosure Statement can be found below.

CRA Statement and Assessment Area

Public Notice

Freedom Bank’s public notice can be found below.

CRA Notice

Loan to Deposit Ratio

Loan to deposit ratios for the current and prior two years can be found below.

Loan to Deposit Ratio

Other Information

Freedom Bank’s Annual Disclosure Statement for the prior two years can be found below.

Annual Disclosure Statement 12-31-2023

Annual Disclosure Statement 12-31-2022