Side-by-side · Q2 2026 data
United Security Bank vs American Bank of Freedom
Metric by metric
| Measure | United Security Bank | American Bank of Freedom |
|---|---|---|
| TellerScore | 85 (stronger) | 53 |
| Capital cushion | 84 (stronger) | 50 |
| Loan quality | 100 (stronger) | 49 |
| Earnings | 93 (stronger) | 45 |
| Funding & liquidity | 40 | 57 (stronger) |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 78th | 9th |
| Total assets | $97.2M | $948.3M |
| Deposits / shares | $81.2M | $736.5M |
| Capital ratio | 13.38% (stronger) | 10.01% |
| Problem loans | 0.00% (stronger) | 1.54% |
| Net charge-offs | 0.06% | 0.05% (stronger) |
| Return on assets | 1.83% (stronger) | 0.63% |
| Loans ÷ deposits | 93.0% (stronger) | 93.8% |
| Uninsured deposits | 39.2% | 23.7% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.0% |
United Security Bank has the higher TellerScore (85 vs 53). On the 7 directional measures above (where higher or lower is clearly better), United Security Bank leads on 5 and American Bank of Freedom on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.