Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Freedom Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Freedom Bank |
|---|---|---|
| TellerScore | 49 | 78 (stronger) |
| Capital cushion | 49 | 72 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 77 | 94 (stronger) |
| Funding & liquidity | 83 (stronger) | 51 |
| Problem-loan coverage | 67 | 92 (stronger) |
| Peer percentile | 6th | 72nd |
| Total assets | $155.4M | $157.3M |
| Deposits / shares | $127.2M | $138.8M |
| Capital ratio | 9.92% | 12.25% (stronger) |
| Problem loans | 3.15% | 0.54% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.43% | 1.84% (stronger) |
| Loans ÷ deposits | 74.2% (stronger) | 98.3% |
| Uninsured deposits | 18.3% (stronger) | 24.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank has the higher TellerScore (78 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Freedom Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.