Side-by-side · Q2 2026 data
Citizens Bank vs Freedom Bank
Metric by metric
| Measure | Citizens Bank | Freedom Bank |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 48 | 76 (stronger) |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 42 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 47th | 82nd |
| Total assets | $690.6M | $585.7M |
| Deposits / shares | $622.8M | $505.7M |
| Capital ratio | 9.78% | 12.62% (stronger) |
| Problem loans | 0.09% (stronger) | 0.23% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.98% | 2.26% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 97.9% |
| Uninsured deposits | 31.0% (stronger) | 33.4% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | — |
Freedom Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and Freedom Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.