Side-by-side · Q2 2026 data
Highlands Bank vs Freedom Bank, Inc.
Metric by metric
| Measure | Highlands Bank | Freedom Bank, Inc. |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 60 | 64 (stronger) |
| Loan quality | 70 | 88 (stronger) |
| Earnings | 71 | 79 (stronger) |
| Funding & liquidity | 71 | 79 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 40th | 72nd |
| Total assets | $407.1M | $429.7M |
| Deposits / shares | $356.8M | $380.4M |
| Capital ratio | 11.00% | 11.40% (stronger) |
| Problem loans | 0.91% | 0.36% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.27% | 1.48% (stronger) |
| Loans ÷ deposits | 85.8% | 81.5% (stronger) |
| Uninsured deposits | 18.3% | 13.2% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Freedom Bank, Inc. has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Highlands Bank leads on 1 and Freedom Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.