Side-by-side · Q2 2026 data
Three Rivers Bank of Montana vs Freedom Bank
Metric by metric
| Measure | Three Rivers Bank of Montana | Freedom Bank |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 67 | 72 (stronger) |
| Loan quality | 69 | 82 (stronger) |
| Earnings | 76 | 94 (stronger) |
| Funding & liquidity | 62 (stronger) | 51 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 47th | 72nd |
| Total assets | $293.1M | $157.3M |
| Deposits / shares | $257.9M | $138.8M |
| Capital ratio | 11.72% | 12.25% (stronger) |
| Problem loans | 0.93% | 0.54% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.40% | 1.84% (stronger) |
| Loans ÷ deposits | 95.0% (stronger) | 98.3% |
| Uninsured deposits | 18.1% (stronger) | 24.7% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Three Rivers Bank of Montana leads on 2 and Freedom Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.