Side-by-side · Q2 2026 data
Freeport State Bank vs State Bank of Cold Spring
Metric by metric
| Measure | Freeport State Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 77 (stronger) | 66 |
| Capital cushion | 57 (stronger) | 51 |
| Loan quality | 100 (stronger) | 47 |
| Earnings | 64 | 84 (stronger) |
| Funding & liquidity | 83 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 68th | 28th |
| Total assets | $165.5M | $81.7M |
| Deposits / shares | $147.9M | $73.8M |
| Capital ratio | 10.69% (stronger) | 10.06% |
| Problem loans | 0.00% (stronger) | 1.60% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.11% | 1.60% (stronger) |
| Loans ÷ deposits | 76.6% | 63.9% (stronger) |
| Uninsured deposits | 15.2% (stronger) | 17.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freeport State Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Freeport State Bank leads on 4 and State Bank of Cold Spring on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.