Side-by-side · Q2 2026 data
Coleman County State Bank vs Freedom Bank
Metric by metric
| Measure | Coleman County State Bank | Freedom Bank |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 36 | 72 (stronger) |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 85 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 72nd | 77th |
| Total assets | $295.1M | $301.2M |
| Deposits / shares | $267.1M | $246.4M |
| Capital ratio | 8.56% | 12.15% (stronger) |
| Problem loans | 0.05% (stronger) | 0.17% |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 2.05% (stronger) | 1.21% |
| Loans ÷ deposits | 65.5% (stronger) | 68.7% |
| Uninsured deposits | 23.7% (stronger) | 29.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Freedom Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Coleman County State Bank leads on 4 and Freedom Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.