Side-by-side · Q2 2026 data
F & M Bank and Trust Company vs West Central Georgia Bank
Metric by metric
| Measure | F & M Bank and Trust Company | West Central Georgia Bank |
|---|---|---|
| TellerScore | 69 | 97 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 83 | 99 (stronger) |
| Earnings | 55 | 86 (stronger) |
| Funding & liquidity | 81 | 97 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 37th | 100th |
| Total assets | $87.4M | $160.4M |
| Deposits / shares | $77.2M | $123.7M |
| Capital ratio | 10.17% | 22.22% (stronger) |
| Problem loans | 0.52% | 0.04% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.88% | 1.65% (stronger) |
| Loans ÷ deposits | 79.6% | 62.8% (stronger) |
| Uninsured deposits | 13.3% | 13.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Central Georgia Bank has the higher TellerScore (97 vs 69). On the 7 directional measures above (where higher or lower is clearly better), F & M Bank and Trust Company leads on 1 and West Central Georgia Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.