Side-by-side · Q2 2026 data
Putnam 1st Mercantile Bank vs First Freedom Bank
Metric by metric
| Measure | Putnam 1st Mercantile Bank | First Freedom Bank |
|---|---|---|
| TellerScore | 82 | 85 (stronger) |
| Capital cushion | 67 | 75 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 57 (stronger) | 53 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 82nd | 88th |
| Total assets | $178.9M | $817.8M |
| Deposits / shares | $159.8M | $710.0M |
| Capital ratio | 11.72% | 12.45% (stronger) |
| Problem loans | 0.13% | 0.01% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.13% |
| Return on assets | 1.93% | 1.99% (stronger) |
| Loans ÷ deposits | 91.8% (stronger) | 95.8% |
| Uninsured deposits | 24.7% (stronger) | 25.0% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
First Freedom Bank has the higher TellerScore (85 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Putnam 1st Mercantile Bank leads on 3 and First Freedom Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.