Side-by-side · Q2 2026 data
Freeport State Bank vs Pine Country Bank
Metric by metric
| Measure | Freeport State Bank | Pine Country Bank |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 57 (stronger) | 52 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 64 | 76 (stronger) |
| Funding & liquidity | 83 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 72nd |
| Total assets | $165.5M | $380.3M |
| Deposits / shares | $147.9M | $335.1M |
| Capital ratio | 10.69% (stronger) | 10.24% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.11% | 1.40% (stronger) |
| Loans ÷ deposits | 76.6% | 72.3% (stronger) |
| Uninsured deposits | 15.2% (stronger) | 17.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Freeport State Bank leads on 4 and Pine Country Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.