Side-by-side · Q2 2026 data
Cleo State Bank vs F&M Bank
Metric by metric
| Measure | Cleo State Bank | F&M Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 29 | 88 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 92 (stronger) | 68 |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 77th | 47th |
| Total assets | $122.5M | $915.3M |
| Deposits / shares | $103.9M | $799.0M |
| Capital ratio | 16.43% (stronger) | 10.00% |
| Problem loans | 2.12% | 0.36% (stronger) |
| Net charge-offs | 0.32% (stronger) | 1.85% |
| Return on assets | 2.29% (stronger) | 1.24% |
| Loans ÷ deposits | 65.0% (stronger) | 81.1% |
| Uninsured deposits | 17.7% (stronger) | 25.1% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
Cleo State Bank has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 6 and F&M Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.