Side-by-side · Q2 2026 data
Southern Bank of Tennessee vs First Freedom Bank
Metric by metric
| Measure | Southern Bank of Tennessee | First Freedom Bank |
|---|---|---|
| TellerScore | 68 | 85 (stronger) |
| Capital cushion | 40 | 75 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 52 | 53 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 37th | 88th |
| Total assets | $533.4M | $817.8M |
| Deposits / shares | $469.4M | $710.0M |
| Capital ratio | 9.01% | 12.45% (stronger) |
| Problem loans | 0.05% | 0.01% (stronger) |
| Net charge-offs | 0.28% | 0.13% (stronger) |
| Return on assets | 1.27% | 1.99% (stronger) |
| Loans ÷ deposits | 83.3% (stronger) | 95.8% |
| Uninsured deposits | 37.0% | 25.0% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 2.5% |
First Freedom Bank has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank of Tennessee leads on 1 and First Freedom Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.