Side-by-side · Q2 2026 data
Westside State Bank vs Freedom Financial Bank
Metric by metric
| Measure | Westside State Bank | Freedom Financial Bank |
|---|---|---|
| TellerScore | 51 | 68 (stronger) |
| Capital cushion | 38 | 43 (stronger) |
| Loan quality | 48 | 100 (stronger) |
| Earnings | 68 | 73 (stronger) |
| Funding & liquidity | 45 (stronger) | 36 |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 8th | 37th |
| Total assets | $268.7M | $269.3M |
| Deposits / shares | $208.4M | $206.4M |
| Capital ratio | 8.82% | 9.30% (stronger) |
| Problem loans | 1.57% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.21% | 1.33% (stronger) |
| Loans ÷ deposits | 111.9% | 107.8% (stronger) |
| Uninsured deposits | 19.9% (stronger) | 29.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Financial Bank has the higher TellerScore (68 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Westside State Bank leads on 1 and Freedom Financial Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.