Side-by-side · Q2 2026 data
Freedom Bank vs ValueBank Texas
Metric by metric
| Measure | Freedom Bank | ValueBank Texas |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 72 | 75 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 68 | 72 (stronger) |
| Funding & liquidity | 76 | 88 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 77th | 88th |
| Total assets | $301.2M | $303.6M |
| Deposits / shares | $246.4M | $263.0M |
| Capital ratio | 12.15% | 12.54% (stronger) |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.21% | 1.29% (stronger) |
| Loans ÷ deposits | 68.7% | 62.6% (stronger) |
| Uninsured deposits | 29.2% | 24.1% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
ValueBank Texas has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 1 and ValueBank Texas on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.