Side-by-side · Q2 2026 data
F & M Bank and Trust Company vs First Peoples Bank
Metric by metric
| Measure | F & M Bank and Trust Company | First Peoples Bank |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 83 | 96 (stronger) |
| Earnings | 55 | 62 (stronger) |
| Funding & liquidity | 81 (stronger) | 51 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 37th | 68th |
| Total assets | $87.4M | $449.4M |
| Deposits / shares | $77.2M | $379.2M |
| Capital ratio | 10.17% | 12.84% (stronger) |
| Problem loans | 0.52% | 0.12% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 0.88% | 1.04% (stronger) |
| Loans ÷ deposits | 79.6% (stronger) | 92.6% |
| Uninsured deposits | 13.3% (stronger) | 29.8% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
First Peoples Bank has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), F & M Bank and Trust Company leads on 3 and First Peoples Bank on 4. 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.