Side-by-side · Q2 2026 data
Perennial Bank vs Freeport State Bank
Metric by metric
| Measure | Perennial Bank | Freeport State Bank |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 45 | 57 (stronger) |
| Loan quality | 55 | 100 (stronger) |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 24th | 68th |
| Total assets | $158.1M | $165.5M |
| Deposits / shares | $144.6M | $147.9M |
| Capital ratio | 9.48% | 10.69% (stronger) |
| Problem loans | 1.36% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.00% | 1.11% (stronger) |
| Loans ÷ deposits | 44.6% (stronger) | 76.6% |
| Uninsured deposits | 11.1% (stronger) | 15.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freeport State Bank has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Perennial Bank leads on 2 and Freeport State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.