Side-by-side · Q2 2026 data
F&M Bank vs Quail Creek Bank
Metric by metric
| Measure | F&M Bank | Quail Creek Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 50 (stronger) | 41 |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 70 | 89 (stronger) |
| Funding & liquidity | 68 (stronger) | 57 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 47th | 34th |
| Total assets | $915.3M | $831.2M |
| Deposits / shares | $799.0M | $756.5M |
| Capital ratio | 10.00% (stronger) | 9.07% |
| Problem loans | 0.36% (stronger) | 0.65% |
| Net charge-offs | 1.85% | 0.08% (stronger) |
| Return on assets | 1.24% | 1.72% (stronger) |
| Loans ÷ deposits | 81.1% | 80.9% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 34.9% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 3.9% |
F&M Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 4 and Quail Creek Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.