Side-by-side · Q2 2026 data
First Community Bank vs Freedom Bank, Inc.
Metric by metric
| Measure | First Community Bank | Freedom Bank, Inc. |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 52 | 64 (stronger) |
| Loan quality | 77 | 88 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 77th | 72nd |
| Total assets | $3.6B | $429.7M |
| Deposits / shares | $3.0B | $380.4M |
| Capital ratio | 10.23% | 11.40% (stronger) |
| Problem loans | 0.70% | 0.36% (stronger) |
| Net charge-offs | 0.17% | 0.02% (stronger) |
| Return on assets | 2.05% (stronger) | 1.48% |
| Loans ÷ deposits | 79.9% (stronger) | 81.5% |
| Uninsured deposits | 21.3% | 13.2% (stronger) |
| Offices | 62 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.8% | — |
Freedom Bank, Inc. has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and Freedom Bank, Inc. on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Buckhannon, WV