Side-by-side · Q2 2026 data
F&M Bank vs First Liberty Bank
Metric by metric
| Measure | F&M Bank | First Liberty Bank |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 50 | 68 (stronger) |
| Loan quality | 88 | 98 (stronger) |
| Earnings | 70 (stronger) | 63 |
| Funding & liquidity | 68 (stronger) | 54 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 47th | 64th |
| Total assets | $915.3M | $885.0M |
| Deposits / shares | $799.0M | $768.3M |
| Capital ratio | 10.00% | 11.82% (stronger) |
| Problem loans | 0.36% | 0.07% (stronger) |
| Net charge-offs | 1.85% | 0.18% (stronger) |
| Return on assets | 1.24% (stronger) | 1.07% |
| Loans ÷ deposits | 81.1% (stronger) | 93.0% |
| Uninsured deposits | 25.1% (stronger) | 26.9% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 9.9% |
First Liberty Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 3 and First Liberty Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.