Side-by-side · Q2 2026 data
Freedom Bank vs Bank of South Texas
Metric by metric
| Measure | Freedom Bank | Bank of South Texas |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 68 (stronger) | 64 |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 77th | 90th |
| Total assets | $301.2M | $174.5M |
| Deposits / shares | $246.4M | $141.1M |
| Capital ratio | 12.15% | 16.63% (stronger) |
| Problem loans | 0.17% (stronger) | 0.23% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.21% (stronger) | 1.10% |
| Loans ÷ deposits | 68.7% (stronger) | 88.2% |
| Uninsured deposits | 29.2% | 19.7% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of South Texas has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 4 and Bank of South Texas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.