Side-by-side · Q2 2026 data
MCNB Bank and Trust Co. vs Freedom Bank, Inc.
Metric by metric
| Measure | MCNB Bank and Trust Co. | Freedom Bank, Inc. |
|---|---|---|
| TellerScore | 50 | 78 (stronger) |
| Capital cushion | 73 (stronger) | 64 |
| Loan quality | 0 | 88 (stronger) |
| Earnings | 55 | 79 (stronger) |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 62 | 95 (stronger) |
| Peer percentile | 7th | 72nd |
| Total assets | $356.5M | $429.7M |
| Deposits / shares | $292.2M | $380.4M |
| Capital ratio | 12.29% (stronger) | 11.40% |
| Problem loans | 3.22% | 0.36% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.87% | 1.48% (stronger) |
| Loans ÷ deposits | 86.1% | 81.5% (stronger) |
| Uninsured deposits | 15.8% | 13.2% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Freedom Bank, Inc. has the higher TellerScore (78 vs 50). On the 7 directional measures above (where higher or lower is clearly better), MCNB Bank and Trust Co. leads on 1 and Freedom Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.