Side-by-side · Q2 2026 data
Citizens Bank vs F&M Bank and Trust Company
Metric by metric
| Measure | Citizens Bank | F&M Bank and Trust Company |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 27 | 52 (stronger) |
| Loan quality | 93 (stronger) | 72 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 59 | 85 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 43rd | 31st |
| Total assets | $188.1M | $182.4M |
| Deposits / shares | $171.1M | $164.3M |
| Capital ratio | 7.73% | 10.20% (stronger) |
| Problem loans | 0.20% (stronger) | 0.85% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 2.43% (stronger) | 0.90% |
| Loans ÷ deposits | 98.5% | 75.0% (stronger) |
| Uninsured deposits | 17.4% | 14.2% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and F&M Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.