Side-by-side · Q2 2026 data
F&M Bank and Trust Company vs Progressive Ozark Bank
Metric by metric
| Measure | F&M Bank and Trust Company | Progressive Ozark Bank |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 52 (stronger) | 48 |
| Loan quality | 72 | 99 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 87 (stronger) | 77 |
| Peer percentile | 31st | 68th |
| Total assets | $182.4M | $190.9M |
| Deposits / shares | $164.3M | $170.7M |
| Capital ratio | 10.20% (stronger) | 9.78% |
| Problem loans | 0.85% | 0.03% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.90% | 2.30% (stronger) |
| Loans ÷ deposits | 75.0% (stronger) | 90.4% |
| Uninsured deposits | 14.2% | 8.9% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Progressive Ozark Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank and Trust Company leads on 3 and Progressive Ozark Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.