Side-by-side · Q2 2026 data
F&M Bank vs Citizens Bank of the South
Metric by metric
| Measure | F&M Bank | Citizens Bank of the South |
|---|---|---|
| TellerScore | 88 (stronger) | 76 |
| Capital cushion | 99 (stronger) | 69 |
| Loan quality | 87 (stronger) | 85 |
| Earnings | 76 | 83 (stronger) |
| Funding & liquidity | 75 (stronger) | 56 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 92nd | 64th |
| Total assets | $419.9M | $395.1M |
| Deposits / shares | $356.8M | $345.6M |
| Capital ratio | 14.93% (stronger) | 11.94% |
| Problem loans | 0.38% (stronger) | 0.45% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.40% | 1.58% (stronger) |
| Loans ÷ deposits | 77.3% (stronger) | 86.8% |
| Uninsured deposits | 22.2% (stronger) | 30.8% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F&M Bank has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 6 and Citizens Bank of the South on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.