Side-by-side · Q2 2026 data
LNB Community Bank vs Freedom Bank
Metric by metric
| Measure | LNB Community Bank | Freedom Bank |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 44 | 76 (stronger) |
| Loan quality | 92 | 92 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 42 | 42 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 40th | 82nd |
| Total assets | $181.0M | $585.7M |
| Deposits / shares | $161.3M | $505.7M |
| Capital ratio | 9.36% | 12.62% (stronger) |
| Problem loans | 0.23% (stronger) | 0.23% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.64% | 2.26% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 97.9% |
| Uninsured deposits | 44.6% | 33.4% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Freedom Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), LNB Community Bank leads on 2 and Freedom Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.