Side-by-side · Q2 2026 data
German American Bank vs Freedom Bank
Metric by metric
| Measure | German American Bank | Freedom Bank |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 62 | 76 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 46 (stronger) | 42 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 77th | 82nd |
| Total assets | $8.4B | $585.7M |
| Deposits / shares | $7.1B | $505.7M |
| Capital ratio | 11.19% | 12.62% (stronger) |
| Problem loans | 0.45% | 0.23% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.76% | 2.26% (stronger) |
| Loans ÷ deposits | 83.0% (stronger) | 97.9% |
| Uninsured deposits | 42.8% | 33.4% (stronger) |
| Offices | 89 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
Freedom Bank has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 1 and Freedom Bank on 6. 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.
Where both have branches
- Jasper, IN
- Huntingburg, IN
- Rockport, IN