Side-by-side · Q2 2026 data
F & M Community Bank, National Association vs Wadena State Bank
Metric by metric
| Measure | F & M Community Bank, National Association | Wadena State Bank |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 49 (stronger) | 48 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 62 | 94 (stronger) |
| Funding & liquidity | 78 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 57th | 80th |
| Total assets | $211.1M | $206.6M |
| Deposits / shares | $184.4M | $187.9M |
| Capital ratio | 9.93% (stronger) | 9.84% |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | 0.01% | -0.03% (stronger) |
| Return on assets | 1.06% | 1.85% (stronger) |
| Loans ÷ deposits | 80.7% | 69.4% (stronger) |
| Uninsured deposits | 16.9% | 13.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
Wadena State Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), F & M Community Bank, National Association leads on 2 and Wadena State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.