Side-by-side · Q2 2026 data
F&M Bank vs CIBC National Trust Company
Metric by metric
| Measure | F&M Bank | CIBC National Trust Company |
|---|---|---|
| TellerScore | 88 | 93 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 54 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 92nd | 98th |
| Total assets | $419.9M | $412.8M |
| Deposits / shares | $356.8M | $550K |
| Capital ratio | 14.93% | 59.61% (stronger) |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.40% | 13.72% (stronger) |
| Loans ÷ deposits | 77.3% | 0.0% (stronger) |
| Uninsured deposits | 22.2% (stronger) | 56.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.0% |
CIBC National Trust Company has the higher TellerScore (93 vs 88). On the 6 directional measures above (where higher or lower is clearly better), F&M Bank leads on 1 and CIBC National Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.