Side-by-side · Q2 2026 data
F&M Bank vs First Bank & Trust Co.
Metric by metric
| Measure | F&M Bank | First Bank & Trust Co. |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 50 | 99 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 44 |
| Problem-loan coverage | 95 (stronger) | 51 |
| Peer percentile | 47th | 20th |
| Total assets | $915.3M | $952.1M |
| Deposits / shares | $799.0M | $802.1M |
| Capital ratio | 10.00% | 14.89% (stronger) |
| Problem loans | 0.36% (stronger) | 5.22% |
| Net charge-offs | 1.85% | 0.68% (stronger) |
| Return on assets | 1.24% | 2.20% (stronger) |
| Loans ÷ deposits | 81.1% (stronger) | 87.4% |
| Uninsured deposits | 25.1% (stronger) | 40.7% |
| Offices | 11 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
F&M Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 4 and First Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.