Side-by-side · Q2 2026 data
F&M Bank vs Citizens State Bank and Trust Company
Metric by metric
| Measure | F&M Bank | Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 83 | 95 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 84th | 99th |
| Total assets | $135.3M | $103.6M |
| Deposits / shares | $115.1M | $79.6M |
| Capital ratio | 11.63% | 18.31% (stronger) |
| Problem loans | 0.00% (stronger) | 0.21% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.46% | 2.10% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 81.7% |
| Uninsured deposits | 32.2% | 15.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 83). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 3 and Citizens State Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.