Side-by-side · Q2 2026 data
FNB Bank vs Freedom Financial Bank
Metric by metric
| Measure | FNB Bank | Freedom Financial Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 68 |
| Capital cushion | 95 (stronger) | 43 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 49 (stronger) | 36 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 96th | 37th |
| Total assets | $274.6M | $269.3M |
| Deposits / shares | $211.3M | $206.4M |
| Capital ratio | 14.48% (stronger) | 9.30% |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 2.03% (stronger) | 1.33% |
| Loans ÷ deposits | 105.7% (stronger) | 107.8% |
| Uninsured deposits | 20.2% (stronger) | 29.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
FNB Bank has the higher TellerScore (91 vs 68). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank leads on 6 and Freedom Financial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.