Freedom Financial Holdings Inc · OTC:FDVA
Freedom Financial — Q2 2026 Earnings Presentation
31 slides from Freedom Financial's earnings presentation, Aug 3, 2026
Slide 1: Presentation to Investors Q2 2026 Update
Presentation to Investors Q2 2026 Update August 3, 2026 Joseph J. Thomas President & CEO Scott B. Clark SEVP & CFO 1
Slide 2: Disclosure
Disclosure This presentation contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates, and expect
Slide 3: Agenda
Company Overview Business Model Financial Results for Q2 2026 Investment Summary 3 3
Slide 4: Company Overview
EMPOWERING DREAMS FRTEDOM pas INNOVATING BANKING freedom.bank
Slide 5: Our Company
Our Company Franchise Footprint Company HighlightsOverview (6/30/26) $1.04B $764M Corporate Information Total Assets Total Loans Bank Established: 7/23/2001 Headquarters: Fairfax, VA Maryland Employees: 101 $875M 87.29% DC Total Deposits Loan to Deposit Ratio 164.36% 14.63% Virginia CRE / Total Capi
Slide 6: Washington D.C. MSA Highlights
Washington D.C. MSA Highlights Highlights & Developments D.C. MSA(1) Market Share (Banks <$5Bn) 2025 • 6.4 million residents with > 1 million households earnings more than 2025 Number of Total Deposits In Total Market Rank Institution (ST) Branches Market ($000) Share (%) $100 thousand annually 1 Ca
Slide 7: Executive Management
Executive Management Joseph J. Thomas – President and CEO - Mr. Thomas was appointed in August 2018. He was previously President and CEO of Bay Bancorp (NASDAQ: BYBK), a community bank with $700 million in total assets based in Columbia, Maryland, before its successful sale to Old Line Bancshares. H
Slide 8: Board of Directors
Board of Directors H. Jason Gold - Chairman - Mr. Gold has served as a director of the Bank since May 2003. Mr. Gold has served as a bankruptcy trustee for more than 25 years and has more than 30 years experience in complex restructuring and insolvency matters in various industries. He also serves a
Slide 9: Putting IDEAS to Work
Putting IDEAS to Work PURPOSE Freedom Bank empowers our clients to achieve their dreams by providing innovative business, personal, and mortgage banking solutions. MISSION We are dedicated to helping our individual and business clients achieve their financial goals through our experienced bankers, q
Slide 10: Organic Growth
Organic Growth Total Assets ($M) Gross Loans ($M) $1,085 $1,090 $1,066 $991 $776 $774 $776 $877 $705 $767 $595 $616 $500 $405 2019Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y 2019Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y Total Deposits ($M) Tangible Book Value Per Share $921 $910 $914 $849 $702 $13.08(1) $13.9
Slide 11: Business Model
EMPOWERING DREAMS FRTEDOM pas INNOVATING BANKING & Business Model freedom.bank
Slide 12: Diverse Business Lines
Diverse Business Lines Commercial Banking • Seasoned team of 9 Commercial Bankers and Portfolio Managers • Broad focus across the C&I, Industry Verticals, SBA Lending and Commercial Real Estate markets • Strong business banking franchise with C&I loans representing 23% of total loans as of June 30,
Slide 13: Technology Enabled
Technology Enabled Business Banking Commercial Banking Personal Banking Mortgage Banking • Monday.com - Customer • BizEquity – Business • Apiture – Online • Encompass – Digital Relationship Management Valuation Banking Platform • Elan – Corporate Credit • Weiland Account Analysis – • Zelle – P2P Pay
Slide 14: Corporate Banking Industry Expertise
Corporate Banking Industry Expertise Government Contracting Innovation Industries Non-Profit Commercial Real Estate 14 14
Slide 15: Small Business Successes
Small Business Successes Small Business 15 15
Slide 16: Serving Our Communities
Serving Our Communities The Freedom Bank Foundation has engaged with Latino Economic Development Center (LEDC) to administer the NOVA Freedom Fund, which provides financing and technical assistance to underserved entrepreneurs and families. The Fund has already made a meaningful difference for local
Slide 17: Q2 2026 Highlights
Q2 2026 Highlights Opened new Tysons Branch and relocated Corporate Headquarters Celebrated the bank’s 25th Anniversary on July 23rd. Added three new Directors to the FDVA Board of Directors Deployed $100 thousand for homeownership counseling and Down Payment Assistance Grants in partnership with th
Slide 18: Financial Results for Q2 2026
Financial Results for Q2 2026 18 18
Slide 19: Income Statement
Income Statement Income Statement History - GAAP – As Reported ($ in thousands, except per share data) Twelve Twelve Quarter Quarter Quarter Months Ended Months Ended Ended Ended Ended Dec 31, 2024 Dec 31, 2025 Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Net Interest Income (before provision) $25,258 $28
Slide 20: Balance Sheet
Balance Sheet Balance Sheet History ($ in thousands, except per share data) As of As of As of As of 31-Dec-24 30-Jun-25 31-Mar-26 30-Jun-26 Assets Cash and Fed Balances $28,690 $59,660 $38,173 $32,395 Investments $236,253 $218,281 $179,563 $174,241 Total Loans $773,862 $747,087 $783,017 $777,474 All
Slide 21: Financial Ratios
Financial Ratios Selected Financial Data by Quarter Ended (Unaudited) 30-Jun-25 30-Sep-25 31-Dec-25 31-Mar-26 30-Jun-26 Liquidity Loans held-for-investment to Deposits 80.83% 86.72% 83.41% 84.04% 87.29% Uninsured Deposits to Total Deposits 22.51% 24.51% 29.43% 27.11% 24.90% Total Liquidity to Uninsu
Slide 22: Operating Performance
Operating Performance NII to Total Revenue Efficiency Ratio 25.00% 100.00% 89.7% 88.1% 90.00% 80.6% 81.7% 84.1% 81.9% 19.20% 76.4% 73.9% 77.6% 77.4% 20.00% 80.00% 69.2% 71.3% 70.00% 15.00% 60.00% 11.12% 50.00% 10.00% 40.00% 30.00% 5.00% 20.00% 10.00% 0.00% 0.00% Jun-24 Jun-25 Jun-26 Jun-24 Jun-25 Ju
Slide 23: Shareholder Outcomes
Shareholder Outcomes Return on Average Assets Return on Average Equity 1.00% 15.00% 0.75% 0.76% 10.71% 9.95% 0.49% 0.44% 10.00% 0.43% 0.41% 0.41% 6.75% 0.50% 6.05% 5.58% 5.57% 5.57% 0.29% 3.97% 0.12% 0.11% 5.00% 1.70% 1.38% 0.00% 0.00% Jun-24 Jun-25 Jun-26 Sep-23 Dec-23 Mar-24 Sep-24 Dec-24 Mar-25 S
Slide 24: Organic Loan Mix
Organic Loan Mix Q2-25 Q1-26 Q2-26 3% 3% 3% 28% 27% 27% 27% 27% 29% 19% 20% 20% 20% 23% 23% Loan Mix ($ in thousands) Loan Mix ($ in thousands) Loan Mix ($ in thousands) Non-Owner Occupied CRE $212,522 Non-Owner Occupied CRE $210,203 Non-Owner Occupied CRE $206,152 Owner Occupied CRE $142,328 Owner
Slide 25: Credit Quality Indicators
Credit Quality Indicators Dec-25 Mar-26 Jun-26 Criticized Loans $32,387,232 $29,786,728 $22,474,560 % Loans 4.22% 3.80% 2.89% % Capital 25.57% 23.75% 17.93% Classified Loans $35,226,453 $34,997,287 $37,202,119 % Loans 4.59% 4.47% 4.78% % Capital 27.81% 27.91% 29.67% Total Watch List $73,421,909 $64,
Slide 26: Core Deposit Mix
Core Deposit Mix Q2-25 Q1-26 Q2-26 14% 16% 16% 31% 32% 30% 14% 14% 14% 7% 6% 7% 34% 32% 33% Deposit Mix ($ in thousands) Deposit Mix ($ in thousands) Deposit Mix ($ in thousands) Non Interest Bearing Deposits $126,922 Non Interest Bearing Deposits $149,339 Non Interest Bearing Deposits $142,064 Inte
Slide 27: Deposit Composition Trends
Deposit Composition Trends 25-Jun 25-Sep 25-Dec 26-Mar 26-Jun Total Deposits $918,245 $855,021 $914,264 $917,364 $874,823 Core Deposit Balances $633,486 $633,207 $662,303 $627,969 $615,880 Core Deposit Percentage 68.99% 74.06% 72.44% 68.45% 70.40% Uninsured Deposits $206,731 $209,572 $236,218 $248,6
Slide 28: Investment Summary
FREEDOM fR38%! nx EMPOWERING DREAMS @ INNOVATING BANKING L) Investment Summary freedom.bank
Slide 29: Investment Highlights
Investment Highlights ▪ Leading tech-enabled digital platform and streamlined branch structure to position the franchise for growth and profitability ▪ Highly experienced leadership with Joe Thomas as President & CEO since 2018 who is aligned with shareholders given his 6.7% ownership of the company
Slide 30: Stock Price Performance Since Inception
Stock Price Performance Since Inception Note: Market data as of July 27, 2026 Note: FDVA began trading in September 2004; KRE began trading in June 2006 30
Slide 31: Contact Information
Contact Information Scott B. Clark SEVP & Chief Financial Officer sclark@freedom.bank 703-667-4119 1750 Tysons Blvd, Suite 240 McLean, VA 22102 31 31
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