Side-by-side · Q2 2026 data
First Montana Bank, Inc. vs Freedom Bank
Metric by metric
| Measure | First Montana Bank, Inc. | Freedom Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 52 | 72 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 63 | 94 (stronger) |
| Funding & liquidity | 70 (stronger) | 51 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 53rd | 72nd |
| Total assets | $530.3M | $157.3M |
| Deposits / shares | $437.9M | $138.8M |
| Capital ratio | 10.15% | 12.25% (stronger) |
| Problem loans | 0.13% (stronger) | 0.54% |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 1.07% | 1.84% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 98.3% |
| Uninsured deposits | 31.2% | 24.7% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Freedom Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Montana Bank, Inc. leads on 2 and Freedom Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.