The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 9 points (76 → 85), mostly because the earnings component improved by 29 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Tennessee

Yes. First Freedom Bank is an FDIC-insured institution (FDIC certificate #58208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.0% of deposits ($177.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Freedom Bank lists 6 offices in 4 cities. Most locations:

• Cookeville, TN (2)
• Mount Juliet, TN (2)
• Gainesboro, TN (1)
• Lebanon, TN (1)

All branch addresses and map

In 2025, First Freedom Bank reported 44 home-loan applications under HMDA (LEI 549300HUJ6V0QTROHW53): 37 originated ($19,785,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Freedom Bank

Type

State-chartered bank

FDIC certificate #

58208

RSSD ID

3437148

Primary regulator

FDIC

Holding company

First Freedom Bancshares Inc

Established

April 3, 2006

Headquarters

1620 W Main St, Lebanon, TN 37087

Website

www.firstfreedombank.com

Employees

71