Side-by-side · Q2 2026 data
American Bank, National Association vs F&M Bank
Metric by metric
| Measure | American Bank, National Association | F&M Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 57 | 68 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 94 (stronger) | 93 |
| Funding & liquidity | 46 | 62 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 72nd | 84th |
| Total assets | $533.0M | $354.6M |
| Deposits / shares | $445.0M | $311.6M |
| Capital ratio | 10.68% | 11.76% (stronger) |
| Problem loans | 0.00% (stronger) | 0.07% |
| Net charge-offs | -0.04% (stronger) | 0.01% |
| Return on assets | 1.85% (stronger) | 1.83% |
| Loans ÷ deposits | 107.7% | 93.9% (stronger) |
| Uninsured deposits | 21.4% | 18.5% (stronger) |
| 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 78). On the 7 directional measures above (where higher or lower is clearly better), American Bank, National Association leads on 3 and F&M Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.