Side-by-side · Q2 2026 data
F&M Bank vs Security National Bank of South Dakota
Bank
Security National Bank of South Dakota
Dakota Dunes, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | F&M Bank | Security National Bank of South Dakota |
|---|---|---|
| TellerScore | 83 | 93 (stronger) |
| Capital cushion | 68 | 91 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 62 | 73 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 84th | 98th |
| Total assets | $354.6M | $251.5M |
| Deposits / shares | $311.6M | $194.7M |
| Capital ratio | 11.76% | 14.12% (stronger) |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.83% | 2.48% (stronger) |
| Loans ÷ deposits | 93.9% | 87.5% (stronger) |
| Uninsured deposits | 18.5% | 15.1% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 25.0% |
Security National Bank of South Dakota has the higher TellerScore (93 vs 83). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 0 and Security National Bank of South Dakota on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.