Side-by-side · Q2 2026 data
Garfield County Bank vs Freedom Bank
Metric by metric
| Measure | Garfield County Bank | Freedom Bank |
|---|---|---|
| TellerScore | 64 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 72 | 94 (stronger) |
| Funding & liquidity | 99 (stronger) | 51 |
| Problem-loan coverage | 52 | 92 (stronger) |
| Peer percentile | 26th | 72nd |
| Total assets | $108.0M | $157.3M |
| Deposits / shares | $90.6M | $138.8M |
| Capital ratio | 15.82% (stronger) | 12.25% |
| Problem loans | 8.42% | 0.54% (stronger) |
| Net charge-offs | 0.25% | -0.00% (stronger) |
| Return on assets | 1.30% | 1.84% (stronger) |
| Loans ÷ deposits | 52.4% (stronger) | 98.3% |
| Uninsured deposits | 15.9% (stronger) | 24.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Garfield County Bank leads on 3 and Freedom Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.