Side-by-side · Q2 2026 data
Citizens' Bank of Charleston vs F&M Bank and Trust Company
Metric by metric
| Measure | Citizens' Bank of Charleston | F&M Bank and Trust Company |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 72 | 72 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 59 | 85 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 90th | 31st |
| Total assets | $185.1M | $182.4M |
| Deposits / shares | $146.6M | $164.3M |
| Capital ratio | 20.51% (stronger) | 10.20% |
| Problem loans | 0.83% (stronger) | 0.85% |
| Net charge-offs | 0.09% | -0.00% (stronger) |
| Return on assets | 2.47% (stronger) | 0.90% |
| Loans ÷ deposits | 101.5% | 75.0% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 14.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens' Bank of Charleston has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank of Charleston leads on 5 and F&M Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.