Side-by-side · Q2 2026 data
F&M Bank vs United Bank & Trust
Metric by metric
| Measure | F&M Bank | United Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 66 (stronger) | 65 |
| Loan quality | 100 | 100 |
| Earnings | 78 | 81 (stronger) |
| Funding & liquidity | 81 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 84th | 75th |
| Total assets | $135.3M | $892.9M |
| Deposits / shares | $115.1M | $714.1M |
| Capital ratio | 11.63% (stronger) | 11.51% |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.46% | 1.53% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 92.9% |
| Uninsured deposits | 32.2% | 23.5% (stronger) |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
F&M Bank has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 5 and United Bank & Trust on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.