Side-by-side · Q2 2026 data
F&M Bank vs Citizens Bank & Trust
Metric by metric
| Measure | F&M Bank | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 66 | 75 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 78 (stronger) | 74 |
| Funding & liquidity | 81 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 84th | 88th |
| Total assets | $135.3M | $107.3M |
| Deposits / shares | $115.1M | $93.7M |
| Capital ratio | 11.63% | 12.50% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.01% (stronger) | 0.05% |
| Return on assets | 1.46% (stronger) | 1.36% |
| Loans ÷ deposits | 48.2% (stronger) | 55.9% |
| Uninsured deposits | 32.2% | 27.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 4 and Citizens Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.