Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Freedom Bank
Metric by metric
| Measure | Valley Bank of Kalispell | Freedom Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 45 | 72 (stronger) |
| Loan quality | 88 (stronger) | 82 |
| Earnings | 90 | 94 (stronger) |
| Funding & liquidity | 62 (stronger) | 51 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 50th | 72nd |
| Total assets | $218.1M | $157.3M |
| Deposits / shares | $198.6M | $138.8M |
| Capital ratio | 9.49% | 12.25% (stronger) |
| Problem loans | 0.35% (stronger) | 0.54% |
| Net charge-offs | -0.07% (stronger) | -0.00% |
| Return on assets | 1.76% | 1.84% (stronger) |
| Loans ÷ deposits | 74.7% (stronger) | 98.3% |
| Uninsured deposits | 36.1% | 24.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Kalispell leads on 3 and Freedom Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.