Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Freedom Bank, Inc.
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Freedom Bank, Inc. |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 50 | 64 (stronger) |
| Loan quality | 81 | 88 (stronger) |
| Earnings | 98 (stronger) | 79 |
| Funding & liquidity | 69 | 79 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $772.5M | $429.7M |
| Deposits / shares | $678.7M | $380.4M |
| Capital ratio | 10.00% | 11.40% (stronger) |
| Problem loans | 0.58% | 0.36% (stronger) |
| Net charge-offs | 0.38% | 0.02% (stronger) |
| Return on assets | 1.95% (stronger) | 1.48% |
| Loans ÷ deposits | 89.1% | 81.5% (stronger) |
| Uninsured deposits | 16.8% | 13.2% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank, Inc. has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 1 and Freedom Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Buckhannon, WV
- Elkins, WV