Side-by-side · Q2 2026 data
Freeport State Bank vs VersaBank USA National Association
Metric by metric
| Measure | Freeport State Bank | VersaBank USA National Association |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 64 | 69 (stronger) |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 94th |
| Total assets | $165.5M | $911.9M |
| Deposits / shares | $147.9M | $675.8M |
| Capital ratio | 10.69% | 22.46% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.11% | 1.23% (stronger) |
| Loans ÷ deposits | 76.6% (stronger) | 85.4% |
| Uninsured deposits | 15.2% | 0.0% (stronger) |
| Offices | 3 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VersaBank USA National Association has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Freeport State Bank leads on 3 and VersaBank USA National Association 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.