Side-by-side · Q2 2026 data
Incommons Bank, N.A. vs Freestone Credit Union
Metric by metric
| Measure | Incommons Bank, N.A. | Freestone Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 52 | 53 (stronger) |
| Loan quality | 86 | 97 (stronger) |
| Earnings | 84 (stronger) | 41 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 53rd | 47th |
| Total assets | $277.6M | $77.3M |
| Deposits / shares | $245.8M | $67.8M |
| Capital ratio | 10.20% | 10.32% (stronger) |
| Problem loans | 0.41% | 0.10% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.14% |
| Return on assets | 1.60% (stronger) | 0.54% |
| Loans ÷ deposits | 79.0% | 55.9% (stronger) |
| Uninsured deposits | 28.1% | 5.7% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Incommons Bank, N.A. leads on 2 and Freestone Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fairfield, TX