Side-by-side · Q2 2026 data
City Bank & Trust Co. vs F&M Bank
Metric by metric
| Measure | City Bank & Trust Co. | F&M Bank |
|---|---|---|
| TellerScore | 58 | 83 (stronger) |
| Capital cushion | 50 | 68 (stronger) |
| Loan quality | 68 | 98 (stronger) |
| Earnings | 58 | 93 (stronger) |
| Funding & liquidity | 41 | 62 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 16th | 84th |
| Total assets | $323.2M | $354.6M |
| Deposits / shares | $288.4M | $311.6M |
| Capital ratio | 10.03% | 11.76% (stronger) |
| Problem loans | 0.96% | 0.07% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 0.94% | 1.83% (stronger) |
| Loans ÷ deposits | 100.8% | 93.9% (stronger) |
| Uninsured deposits | 31.3% | 18.5% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 4.0% |
F&M Bank has the higher TellerScore (83 vs 58). On the 7 directional measures above (where higher or lower is clearly better), City Bank & Trust Co. leads on 0 and F&M Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.