Side-by-side · Q2 2026 data
F&M Bank vs Valliance Bank
Metric by metric
| Measure | F&M Bank | Valliance Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 47 |
| Capital cushion | 50 (stronger) | 43 |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 70 (stronger) | 45 |
| Funding & liquidity | 68 (stronger) | 43 |
| Problem-loan coverage | 95 (stronger) | 72 |
| Peer percentile | 47th | 5th |
| Total assets | $915.3M | $923.3M |
| Deposits / shares | $799.0M | $733.0M |
| Capital ratio | 10.00% (stronger) | 9.31% |
| Problem loans | 0.36% (stronger) | 1.58% |
| Net charge-offs | 1.85% | -0.10% (stronger) |
| Return on assets | 1.24% (stronger) | 0.63% |
| Loans ÷ deposits | 81.1% (stronger) | 105.3% |
| Uninsured deposits | 25.1% (stronger) | 25.6% |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
F&M Bank has the higher TellerScore (71 vs 47). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 6 and Valliance Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.