Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs Freedom Bank
Metric by metric
| Measure | Citizens National Bank at Brownwood | Freedom Bank |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 55 | 72 (stronger) |
| Loan quality | 75 | 94 (stronger) |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 94 (stronger) | 76 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $303.4M | $301.2M |
| Deposits / shares | $272.4M | $246.4M |
| Capital ratio | 10.47% | 12.15% (stronger) |
| Problem loans | 0.74% | 0.17% (stronger) |
| Net charge-offs | 0.06% | -0.02% (stronger) |
| Return on assets | 1.47% (stronger) | 1.21% |
| Loans ÷ deposits | 39.9% (stronger) | 68.7% |
| Uninsured deposits | 20.8% (stronger) | 29.2% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 3 and Freedom Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.