Side-by-side · Q2 2026 data
Central State Bank vs FreedomBank
Metric by metric
| Measure | Central State Bank | FreedomBank |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 53 | 57 (stronger) |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 89 (stronger) | 69 |
| Funding & liquidity | 49 | 66 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 64th | 53rd |
| Total assets | $419.3M | $433.9M |
| Deposits / shares | $344.4M | $367.9M |
| Capital ratio | 10.27% | 10.70% (stronger) |
| Problem loans | 0.02% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.73% (stronger) | 1.22% |
| Loans ÷ deposits | 93.9% | 89.9% (stronger) |
| Uninsured deposits | 30.7% | 18.4% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Central State Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 4 and FreedomBank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elkader, IA