Side-by-side · Q2 2026 data
F & M Bank and Trust Company vs Metro City Bank
Metric by metric
| Measure | F & M Bank and Trust Company | Metro City Bank |
|---|---|---|
| TellerScore | 69 | 73 (stronger) |
| Capital cushion | 52 | 61 (stronger) |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 55 | 97 (stronger) |
| Funding & liquidity | 81 (stronger) | 30 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 37th | 70th |
| Total assets | $87.4M | $4.5B |
| Deposits / shares | $77.2M | $3.5B |
| Capital ratio | 10.17% | 11.08% (stronger) |
| Problem loans | 0.52% | 0.44% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.88% | 1.94% (stronger) |
| Loans ÷ deposits | 79.6% (stronger) | 111.5% |
| Uninsured deposits | 13.3% (stronger) | 32.8% |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.0% |
Metro City Bank has the higher TellerScore (73 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 Metro City 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.