Side-by-side · Q2 2026 data
Cherokee State Bank vs Freedom Financial Bank
Metric by metric
| Measure | Cherokee State Bank | Freedom Financial Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 80 (stronger) | 43 |
| Loan quality | 100 | 100 |
| Earnings | 61 | 73 (stronger) |
| Funding & liquidity | 78 (stronger) | 36 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 84th | 37th |
| Total assets | $271.1M | $269.3M |
| Deposits / shares | $218.9M | $206.4M |
| Capital ratio | 13.03% (stronger) | 9.30% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 1.03% | 1.33% (stronger) |
| Loans ÷ deposits | 82.5% (stronger) | 107.8% |
| Uninsured deposits | 15.1% (stronger) | 29.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cherokee State Bank has the higher TellerScore (83 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 5 and Freedom Financial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.