Side-by-side · Q2 2026 data
Cenlar FSB vs Freedom Bank
Metric by metric
| Measure | Cenlar FSB | Freedom Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 0 | 55 (stronger) |
| Funding & liquidity | 50 (stronger) | 33 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 47th | 24th |
| Total assets | $782.0M | $838.3M |
| Deposits / shares | $442.8M | $711.5M |
| Capital ratio | 16.56% (stronger) | 9.78% |
| Problem loans | 0.21% (stronger) | 0.28% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -1.23% | 0.89% (stronger) |
| Loans ÷ deposits | 45.7% (stronger) | 103.0% |
| Uninsured deposits | 90.6% | 36.4% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
Cenlar FSB has the higher TellerScore (71 vs 63). On the 6 directional measures above (where higher or lower is clearly better), Cenlar FSB leads on 4 and Freedom Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.