Side-by-side · Q2 2026 data
BankSouth vs F&M Bank
Metric by metric
| Measure | BankSouth | F&M Bank |
|---|---|---|
| TellerScore | 68 | 88 (stronger) |
| Capital cushion | 52 | 99 (stronger) |
| Loan quality | 82 | 87 (stronger) |
| Earnings | 83 (stronger) | 76 |
| Funding & liquidity | 42 | 75 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 49th | 92nd |
| Total assets | $1.6B | $419.9M |
| Deposits / shares | $1.4B | $356.8M |
| Capital ratio | 10.17% | 14.93% (stronger) |
| Problem loans | 0.55% | 0.38% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.57% (stronger) | 1.40% |
| Loans ÷ deposits | 89.7% | 77.3% (stronger) |
| Uninsured deposits | 40.6% | 22.2% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
F&M Bank has the higher TellerScore (88 vs 68). On the 7 directional measures above (where higher or lower is clearly better), BankSouth leads on 2 and F&M Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.