Side-by-side · Q2 2026 data
Adrian Bank vs F&M Bank and Trust Company
Metric by metric
| Measure | Adrian Bank | F&M Bank and Trust Company |
|---|---|---|
| TellerScore | 85 (stronger) | 66 |
| Capital cushion | 76 (stronger) | 52 |
| Loan quality | 83 (stronger) | 72 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 82 | 85 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 88th | 31st |
| Total assets | $195.6M | $182.4M |
| Deposits / shares | $172.7M | $164.3M |
| Capital ratio | 12.56% (stronger) | 10.20% |
| Problem loans | 0.52% (stronger) | 0.85% |
| Net charge-offs | 0.44% | -0.00% (stronger) |
| Return on assets | 2.63% (stronger) | 0.90% |
| Loans ÷ deposits | 76.2% | 75.0% (stronger) |
| Uninsured deposits | 17.0% | 14.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Adrian Bank has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Adrian Bank leads on 4 and F&M Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.