Side-by-side · Q2 2026 data
Macon Bank and Trust Company vs First Freedom Bank
Metric by metric
| Measure | Macon Bank and Trust Company | First Freedom Bank |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 49 | 75 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 74 (stronger) | 53 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 53rd | 88th |
| Total assets | $820.5M | $817.8M |
| Deposits / shares | $751.5M | $710.0M |
| Capital ratio | 9.91% | 12.45% (stronger) |
| Problem loans | 0.08% | 0.01% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.13% | 1.99% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 95.8% |
| Uninsured deposits | 31.4% | 25.0% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
First Freedom Bank has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Macon Bank and Trust Company leads on 2 and First Freedom Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.