Side-by-side · Q2 2026 data
F&M Bank vs Charter West Bank
Metric by metric
| Measure | F&M Bank | Charter West Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 68 (stronger) | 43 |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 93 (stronger) | 82 |
| Funding & liquidity | 62 (stronger) | 43 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 84th | 37th |
| Total assets | $354.6M | $547.9M |
| Deposits / shares | $311.6M | $486.3M |
| Capital ratio | 11.76% (stronger) | 9.27% |
| Problem loans | 0.07% (stronger) | 0.26% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.83% (stronger) | 1.54% |
| Loans ÷ deposits | 93.9% | 87.3% (stronger) |
| Uninsured deposits | 18.5% (stronger) | 42.2% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 8.6% |
F&M Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 6 and Charter West Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Gretna, NE
- West Point, NE