Side-by-side · Q2 2026 data
Freedom Bank vs Texas Community Bank
Metric by metric
| Measure | Freedom Bank | Texas Community Bank |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 72 | 78 (stronger) |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 76 (stronger) | 50 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 77th | 95th |
| Total assets | $301.2M | $2.2B |
| Deposits / shares | $246.4M | $1.9B |
| Capital ratio | 12.15% | 12.78% (stronger) |
| Problem loans | 0.17% (stronger) | 0.20% |
| Net charge-offs | -0.02% (stronger) | 0.05% |
| Return on assets | 1.21% | 2.03% (stronger) |
| Loans ÷ deposits | 68.7% | 58.6% (stronger) |
| Uninsured deposits | 29.2% (stronger) | 63.9% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Texas Community Bank has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 3 and Texas Community Bank on 4. 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.