Side-by-side · Q2 2026 data
F&M Bank vs River City Bank
Metric by metric
| Measure | F&M Bank | River City Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 99 (stronger) | 51 |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 76 | 89 (stronger) |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 92nd | 68th |
| Total assets | $419.9M | $423.4M |
| Deposits / shares | $356.8M | $380.9M |
| Capital ratio | 14.93% (stronger) | 10.15% |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.40% | 1.71% (stronger) |
| Loans ÷ deposits | 77.3% (stronger) | 86.2% |
| Uninsured deposits | 22.2% (stronger) | 27.7% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.1% |
F&M Bank has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 4 and River City Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.