Freedom Financial Holdings reported third-quarter 2026 net income of $1.19 million, or $0.17 per diluted share, up from $289,621, or $0.04 per share, in the linked quarter and $1.12 million, or $0.16 per share, a year earlier. Nine-month net income fell to $2.64 million, or $0.37 per diluted share, from $3.94 million, or $0.55 per share, in the first nine months of 2025. Total assets rose 1.94% from June 30 to $1.06 billion, while loans held for investment increased 3.05% and deposits rose 2.94%. Net interest income grew 1% sequentially to $7.05 million, although the net interest margin narrowed to 2.78% from 2.83% as mortgage-related non-interest income declined amid higher interest rates. Credit metrics improved modestly, with non-accrual loans at 3.26% of held-for-investment loans and non-performing assets at 2.42% of total assets. The company resolved its only OREO asset, recorded a $188,011 loan-loss provision and maintained strong regulatory capital ratios. Its board adopted amended bylaws covering shareholder nominations, special-meeting requests and exclusive forums for certain disputes. After completing a prior 250,000-share authorization, the company approved an additional repurchase program for up to 150,000 shares.