Side-by-side · Q2 2026 data
Americana Community Bank vs Freeport State Bank
Metric by metric
| Measure | Americana Community Bank | Freeport State Bank |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 67 (stronger) | 57 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 45 | 64 (stronger) |
| Funding & liquidity | 57 | 83 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $179.9M | $165.5M |
| Deposits / shares | $152.7M | $147.9M |
| Capital ratio | 11.66% (stronger) | 10.69% |
| Problem loans | 0.60% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.62% | 1.11% (stronger) |
| Loans ÷ deposits | 92.6% | 76.6% (stronger) |
| Uninsured deposits | 24.7% | 15.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freeport State Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Americana Community Bank leads on 1 and Freeport State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.