Side-by-side · Q2 2026 data
F & M Community Bank, National Association vs Decorah Bank & Trust Company
Metric by metric
| Measure | F & M Community Bank, National Association | Decorah Bank & Trust Company |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 62 | 87 (stronger) |
| Funding & liquidity | 78 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 57th | 57th |
| Total assets | $211.1M | $794.1M |
| Deposits / shares | $184.4M | $694.7M |
| Capital ratio | 9.93% | 10.41% (stronger) |
| Problem loans | 0.00% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.06% | 1.67% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 82.0% |
| Uninsured deposits | 16.9% (stronger) | 27.7% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), F & M Community Bank, National Association leads on 4 and Decorah Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.