Side-by-side · Q2 2026 data
F & M Community Bank, National Association vs ESB Bank
Metric by metric
| Measure | F & M Community Bank, National Association | ESB Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 49 (stronger) | 42 |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 62 | 82 (stronger) |
| Funding & liquidity | 78 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 57th | 29th |
| Total assets | $211.1M | $208.9M |
| Deposits / shares | $184.4M | $179.1M |
| Capital ratio | 9.93% (stronger) | 9.20% |
| Problem loans | 0.00% (stronger) | 0.87% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.06% | 1.54% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 90.7% |
| Uninsured deposits | 16.9% | 13.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
F & M Community Bank, National Association has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), F & M Community Bank, National Association leads on 4 and ESB Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.