Side-by-side · Q2 2026 data
The Citizens First National Bank of Storm Lake vs Freedom Financial Bank
Bank
The Citizens First National Bank of Storm Lake
Storm Lake, Iowa · $100 million – $1 billion
Metric by metric
| Measure | The Citizens First National Bank of Storm Lake | Freedom Financial Bank |
|---|---|---|
| TellerScore | 99 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 92 (stronger) | 36 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 37th |
| Total assets | $256.5M | $269.3M |
| Deposits / shares | $210.5M | $206.4M |
| Capital ratio | 15.87% (stronger) | 9.30% |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 2.50% (stronger) | 1.33% |
| Loans ÷ deposits | 64.2% (stronger) | 107.8% |
| Uninsured deposits | 18.7% (stronger) | 29.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens First National Bank of Storm Lake has the higher TellerScore (99 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Citizens First National Bank of Storm Lake leads on 6 and Freedom Financial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.