Side-by-side · Q2 2026 data
1st Financial Bank USA vs F&M Bank
Metric by metric
| Measure | 1st Financial Bank USA | F&M Bank |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 50 | 98 (stronger) |
| Earnings | 59 | 93 (stronger) |
| Funding & liquidity | 72 (stronger) | 62 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 74th | 84th |
| Total assets | $1.4B | $354.6M |
| Deposits / shares | $1.1B | $311.6M |
| Capital ratio | 16.34% (stronger) | 11.76% |
| Problem loans | 1.51% | 0.07% (stronger) |
| Net charge-offs | 2.29% | 0.01% (stronger) |
| Return on assets | 0.98% | 1.83% (stronger) |
| Loans ÷ deposits | 88.7% (stronger) | 93.9% |
| Uninsured deposits | 2.0% (stronger) | 18.5% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
F&M Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), 1st Financial Bank USA leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.