Side-by-side · Q2 2026 data
F&M Bank vs Liberty National Bank
Metric by metric
| Measure | F&M Bank | Liberty National Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 68 (stronger) | 53 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 93 (stronger) | 70 |
| Funding & liquidity | 62 (stronger) | 39 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 84th | 47th |
| Total assets | $354.6M | $624.4M |
| Deposits / shares | $311.6M | $457.3M |
| Capital ratio | 11.76% (stronger) | 10.31% |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | 1.26% |
| Loans ÷ deposits | 93.9% (stronger) | 101.5% |
| Uninsured deposits | 18.5% (stronger) | 32.7% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 5.4% |
F&M Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 5 and Liberty National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.