Side-by-side · Q2 2026 data
One Bank of Tennessee vs First Freedom Bank
Metric by metric
| Measure | One Bank of Tennessee | First Freedom Bank |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 41 | 75 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 88th | 88th |
| Total assets | $1.7B | $817.8M |
| Deposits / shares | $1.5B | $710.0M |
| Capital ratio | 9.09% | 12.45% (stronger) |
| Problem loans | 0.01% | 0.01% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 2.16% (stronger) | 1.99% |
| Loans ÷ deposits | 73.5% (stronger) | 95.8% |
| Uninsured deposits | 20.9% (stronger) | 25.0% |
| Offices | 19 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 2.5% |
First Freedom Bank has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), One Bank of Tennessee leads on 4 and First Freedom Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.