Side-by-side · Q2 2026 data
Farmers State Bank vs F&M Bank and Trust Company
Metric by metric
| Measure | Farmers State Bank | F&M Bank and Trust Company |
|---|---|---|
| TellerScore | 88 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 92 (stronger) | 72 |
| Earnings | 76 (stronger) | 56 |
| Funding & liquidity | 67 | 85 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 92nd | 31st |
| Total assets | $339.8M | $182.4M |
| Deposits / shares | $285.8M | $164.3M |
| Capital ratio | 15.02% (stronger) | 10.20% |
| Problem loans | 0.23% (stronger) | 0.85% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 0.90% |
| Loans ÷ deposits | 89.0% | 75.0% (stronger) |
| Uninsured deposits | 19.2% | 14.2% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Farmers State Bank has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and F&M Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.